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$59,776
−HK$3,748/mo
▼ 0.25% · 3.875%
HK$61,635
−HK$1,889/mo
Today · 4.125%
HK$63,524
baseline
▲ 0.50% · 4.625%
HK$67,390
+HK$3,866/mo
Deposit HK$13.11M · loan HK$13.11M · min. income ≈ HK$127,048/mo (50% DSR)
Upfront cash ≈ HK$14.22M (deposit + AVD stamp duty HK$1,114,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,500
−HK$3,593/mo
▼ 0.25% · 3.875%
HK$68,283
−HK$1,810/mo
Today · 4.125%
HK$70,093
baseline
▲ 0.50% · 4.625%
HK$73,787
+HK$3,694/mo
Deposit HK$13.11M · loan HK$13.11M · min. income ≈ HK$140,186/mo (50% DSR)
Upfront cash ≈ HK$14.22M (deposit + AVD stamp duty HK$1,114,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,731
−HK$4,498/mo
▼ 0.25% · 3.875%
HK$73,962
−HK$2,267/mo
Today · 4.125%
HK$76,229
baseline
▲ 0.50% · 4.625%
HK$80,868
+HK$4,639/mo
Deposit HK$10.49M · loan HK$15.73M · min. income ≈ HK$152,458/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$1,114,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,800
−HK$4,311/mo
▼ 0.25% · 3.875%
HK$81,940
−HK$2,171/mo
Today · 4.125%
HK$84,111
baseline
▲ 0.50% · 4.625%
HK$88,545
+HK$4,434/mo
Deposit HK$10.49M · loan HK$15.73M · min. income ≈ HK$168,222/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$1,114,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,686
−HK$5,248/mo
▼ 0.25% · 3.875%
HK$86,289
−HK$2,645/mo
Today · 4.125%
HK$88,934
baseline
▲ 0.50% · 4.625%
HK$94,345
+HK$5,411/mo
Deposit HK$7.86M · loan HK$18.35M · min. income ≈ HK$177,868/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$1,114,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,100
−HK$5,030/mo
▼ 0.25% · 3.875%
HK$95,597
−HK$2,533/mo
Today · 4.125%
HK$98,130
baseline
▲ 0.50% · 4.625%
HK$103,302
+HK$5,172/mo
Deposit HK$7.86M · loan HK$18.35M · min. income ≈ HK$196,260/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$1,114,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,596
−HK$6,748/mo
▼ 0.25% · 3.875%
HK$110,943
−HK$3,401/mo
Today · 4.125%
HK$114,344
baseline
▲ 0.50% · 4.625%
HK$121,301
+HK$6,957/mo
Deposit HK$2.62M · loan HK$23.59M · min. income ≈ HK$228,688/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,114,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,700
−HK$6,467/mo
▼ 0.25% · 3.875%
HK$122,910
−HK$3,257/mo
Today · 4.125%
HK$126,167
baseline
▲ 0.50% · 4.625%
HK$132,817
+HK$6,650/mo
Deposit HK$2.62M · loan HK$23.59M · min. income ≈ HK$252,334/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,114,117 · Scale 2, in force from 26 Feb 2026)