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$59,603
−HK$3,737/mo
▼ 0.25% · 3.875%
HK$61,456
−HK$1,884/mo
Today · 4.125%
HK$63,340
baseline
▲ 0.50% · 4.625%
HK$67,194
+HK$3,854/mo
Deposit HK$13.07M · loan HK$13.07M · min. income ≈ HK$126,680/mo (50% DSR)
Upfront cash ≈ HK$14.18M (deposit + AVD stamp duty HK$1,110,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,307
−HK$3,583/mo
▼ 0.25% · 3.875%
HK$68,086
−HK$1,804/mo
Today · 4.125%
HK$69,890
baseline
▲ 0.50% · 4.625%
HK$73,574
+HK$3,684/mo
Deposit HK$13.07M · loan HK$13.07M · min. income ≈ HK$139,780/mo (50% DSR)
Upfront cash ≈ HK$14.18M (deposit + AVD stamp duty HK$1,110,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,523
−HK$4,485/mo
▼ 0.25% · 3.875%
HK$73,748
−HK$2,260/mo
Today · 4.125%
HK$76,008
baseline
▲ 0.50% · 4.625%
HK$80,633
+HK$4,625/mo
Deposit HK$10.46M · loan HK$15.68M · min. income ≈ HK$152,016/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$1,110,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,569
−HK$4,298/mo
▼ 0.25% · 3.875%
HK$81,703
−HK$2,164/mo
Today · 4.125%
HK$83,867
baseline
▲ 0.50% · 4.625%
HK$88,288
+HK$4,421/mo
Deposit HK$10.46M · loan HK$15.68M · min. income ≈ HK$167,734/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$1,110,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,444
−HK$5,232/mo
▼ 0.25% · 3.875%
HK$86,039
−HK$2,637/mo
Today · 4.125%
HK$88,676
baseline
▲ 0.50% · 4.625%
HK$94,072
+HK$5,396/mo
Deposit HK$7.84M · loan HK$18.30M · min. income ≈ HK$177,352/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$1,110,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,830
−HK$5,015/mo
▼ 0.25% · 3.875%
HK$95,320
−HK$2,525/mo
Today · 4.125%
HK$97,845
baseline
▲ 0.50% · 4.625%
HK$103,003
+HK$5,158/mo
Deposit HK$7.84M · loan HK$18.30M · min. income ≈ HK$195,690/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$1,110,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,285
−HK$6,727/mo
▼ 0.25% · 3.875%
HK$110,622
−HK$3,390/mo
Today · 4.125%
HK$114,012
baseline
▲ 0.50% · 4.625%
HK$120,950
+HK$6,938/mo
Deposit HK$2.61M · loan HK$23.52M · min. income ≈ HK$228,024/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,110,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,353
−HK$6,448/mo
▼ 0.25% · 3.875%
HK$122,554
−HK$3,247/mo
Today · 4.125%
HK$125,801
baseline
▲ 0.50% · 4.625%
HK$132,432
+HK$6,631/mo
Deposit HK$2.61M · loan HK$23.52M · min. income ≈ HK$251,602/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,110,887 · Scale 2, in force from 26 Feb 2026)