The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$59,149
−HK$3,709/mo
▼ 0.25% · 3.875%
HK$60,989
−HK$1,869/mo
Today · 4.125%
HK$62,858
baseline
▲ 0.50% · 4.625%
HK$66,683
+HK$3,825/mo
Deposit HK$12.97M · loan HK$12.97M · min. income ≈ HK$125,716/mo (50% DSR)
Upfront cash ≈ HK$14.07M (deposit + AVD stamp duty HK$1,102,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,802
−HK$3,556/mo
▼ 0.25% · 3.875%
HK$67,567
−HK$1,791/mo
Today · 4.125%
HK$69,358
baseline
▲ 0.50% · 4.625%
HK$73,013
+HK$3,655/mo
Deposit HK$12.97M · loan HK$12.97M · min. income ≈ HK$138,716/mo (50% DSR)
Upfront cash ≈ HK$14.07M (deposit + AVD stamp duty HK$1,102,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,979
−HK$4,450/mo
▼ 0.25% · 3.875%
HK$73,186
−HK$2,243/mo
Today · 4.125%
HK$75,429
baseline
▲ 0.50% · 4.625%
HK$80,019
+HK$4,590/mo
Deposit HK$10.38M · loan HK$15.56M · min. income ≈ HK$150,858/mo (50% DSR)
Upfront cash ≈ HK$11.48M (deposit + AVD stamp duty HK$1,102,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,963
−HK$4,266/mo
▼ 0.25% · 3.875%
HK$81,081
−HK$2,148/mo
Today · 4.125%
HK$83,229
baseline
▲ 0.50% · 4.625%
HK$87,616
+HK$4,387/mo
Deposit HK$10.38M · loan HK$15.56M · min. income ≈ HK$166,458/mo (50% DSR)
Upfront cash ≈ HK$11.48M (deposit + AVD stamp duty HK$1,102,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,808
−HK$5,193/mo
▼ 0.25% · 3.875%
HK$85,384
−HK$2,617/mo
Today · 4.125%
HK$88,001
baseline
▲ 0.50% · 4.625%
HK$93,356
+HK$5,355/mo
Deposit HK$7.78M · loan HK$18.16M · min. income ≈ HK$176,002/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$1,102,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,123
−HK$4,978/mo
▼ 0.25% · 3.875%
HK$94,594
−HK$2,507/mo
Today · 4.125%
HK$97,101
baseline
▲ 0.50% · 4.625%
HK$102,219
+HK$5,118/mo
Deposit HK$7.78M · loan HK$18.16M · min. income ≈ HK$194,202/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$1,102,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,468
−HK$6,676/mo
▼ 0.25% · 3.875%
HK$109,780
−HK$3,364/mo
Today · 4.125%
HK$113,144
baseline
▲ 0.50% · 4.625%
HK$120,029
+HK$6,885/mo
Deposit HK$2.59M · loan HK$23.35M · min. income ≈ HK$226,288/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,102,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,444
−HK$6,400/mo
▼ 0.25% · 3.875%
HK$121,621
−HK$3,223/mo
Today · 4.125%
HK$124,844
baseline
▲ 0.50% · 4.625%
HK$131,424
+HK$6,580/mo
Deposit HK$2.59M · loan HK$23.35M · min. income ≈ HK$249,688/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,102,430 · Scale 2, in force from 26 Feb 2026)