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$60,196
−HK$3,774/mo
▼ 0.25% · 3.875%
HK$62,068
−HK$1,902/mo
Today · 4.125%
HK$63,970
baseline
▲ 0.50% · 4.625%
HK$67,863
+HK$3,893/mo
Deposit HK$13.20M · loan HK$13.20M · min. income ≈ HK$127,940/mo (50% DSR)
Upfront cash ≈ HK$14.32M (deposit + AVD stamp duty HK$1,121,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,967
−HK$3,618/mo
▼ 0.25% · 3.875%
HK$68,763
−HK$1,822/mo
Today · 4.125%
HK$70,585
baseline
▲ 0.50% · 4.625%
HK$74,306
+HK$3,721/mo
Deposit HK$13.20M · loan HK$13.20M · min. income ≈ HK$141,170/mo (50% DSR)
Upfront cash ≈ HK$14.32M (deposit + AVD stamp duty HK$1,121,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,235
−HK$4,530/mo
▼ 0.25% · 3.875%
HK$74,482
−HK$2,283/mo
Today · 4.125%
HK$76,765
baseline
▲ 0.50% · 4.625%
HK$81,436
+HK$4,671/mo
Deposit HK$10.56M · loan HK$15.84M · min. income ≈ HK$153,530/mo (50% DSR)
Upfront cash ≈ HK$11.68M (deposit + AVD stamp duty HK$1,121,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,361
−HK$4,341/mo
▼ 0.25% · 3.875%
HK$82,516
−HK$2,186/mo
Today · 4.125%
HK$84,702
baseline
▲ 0.50% · 4.625%
HK$89,167
+HK$4,465/mo
Deposit HK$10.56M · loan HK$15.84M · min. income ≈ HK$169,404/mo (50% DSR)
Upfront cash ≈ HK$11.68M (deposit + AVD stamp duty HK$1,121,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,274
−HK$5,285/mo
▼ 0.25% · 3.875%
HK$86,895
−HK$2,664/mo
Today · 4.125%
HK$89,559
baseline
▲ 0.50% · 4.625%
HK$95,008
+HK$5,449/mo
Deposit HK$7.92M · loan HK$18.48M · min. income ≈ HK$179,118/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$1,121,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,754
−HK$5,065/mo
▼ 0.25% · 3.875%
HK$96,268
−HK$2,551/mo
Today · 4.125%
HK$98,819
baseline
▲ 0.50% · 4.625%
HK$104,028
+HK$5,209/mo
Deposit HK$7.92M · loan HK$18.48M · min. income ≈ HK$197,638/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$1,121,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,352
−HK$6,795/mo
▼ 0.25% · 3.875%
HK$111,723
−HK$3,424/mo
Today · 4.125%
HK$115,147
baseline
▲ 0.50% · 4.625%
HK$122,153
+HK$7,006/mo
Deposit HK$2.64M · loan HK$23.76M · min. income ≈ HK$230,294/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,121,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,541
−HK$6,512/mo
▼ 0.25% · 3.875%
HK$123,774
−HK$3,279/mo
Today · 4.125%
HK$127,053
baseline
▲ 0.50% · 4.625%
HK$133,750
+HK$6,697/mo
Deposit HK$2.64M · loan HK$23.76M · min. income ≈ HK$254,106/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,121,943 · Scale 2, in force from 26 Feb 2026)