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$58,912
−HK$3,694/mo
▼ 0.25% · 3.875%
HK$60,744
−HK$1,862/mo
Today · 4.125%
HK$62,606
baseline
▲ 0.50% · 4.625%
HK$66,416
+HK$3,810/mo
Deposit HK$12.92M · loan HK$12.92M · min. income ≈ HK$125,212/mo (50% DSR)
Upfront cash ≈ HK$14.02M (deposit + AVD stamp duty HK$1,098,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,539
−HK$3,541/mo
▼ 0.25% · 3.875%
HK$67,297
−HK$1,783/mo
Today · 4.125%
HK$69,080
baseline
▲ 0.50% · 4.625%
HK$72,721
+HK$3,641/mo
Deposit HK$12.92M · loan HK$12.92M · min. income ≈ HK$138,160/mo (50% DSR)
Upfront cash ≈ HK$14.02M (deposit + AVD stamp duty HK$1,098,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,694
−HK$4,433/mo
▼ 0.25% · 3.875%
HK$72,893
−HK$2,234/mo
Today · 4.125%
HK$75,127
baseline
▲ 0.50% · 4.625%
HK$79,699
+HK$4,572/mo
Deposit HK$10.33M · loan HK$15.50M · min. income ≈ HK$150,254/mo (50% DSR)
Upfront cash ≈ HK$11.43M (deposit + AVD stamp duty HK$1,098,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,647
−HK$4,249/mo
▼ 0.25% · 3.875%
HK$80,756
−HK$2,140/mo
Today · 4.125%
HK$82,896
baseline
▲ 0.50% · 4.625%
HK$87,265
+HK$4,369/mo
Deposit HK$10.33M · loan HK$15.50M · min. income ≈ HK$165,792/mo (50% DSR)
Upfront cash ≈ HK$11.43M (deposit + AVD stamp duty HK$1,098,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,477
−HK$5,172/mo
▼ 0.25% · 3.875%
HK$85,042
−HK$2,607/mo
Today · 4.125%
HK$87,649
baseline
▲ 0.50% · 4.625%
HK$92,982
+HK$5,333/mo
Deposit HK$7.75M · loan HK$18.08M · min. income ≈ HK$175,298/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$1,098,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,754
−HK$4,958/mo
▼ 0.25% · 3.875%
HK$94,215
−HK$2,497/mo
Today · 4.125%
HK$96,712
baseline
▲ 0.50% · 4.625%
HK$101,809
+HK$5,097/mo
Deposit HK$7.75M · loan HK$18.08M · min. income ≈ HK$193,424/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$1,098,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,041
−HK$6,650/mo
▼ 0.25% · 3.875%
HK$109,340
−HK$3,351/mo
Today · 4.125%
HK$112,691
baseline
▲ 0.50% · 4.625%
HK$119,548
+HK$6,857/mo
Deposit HK$2.58M · loan HK$23.25M · min. income ≈ HK$225,382/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,098,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,970
−HK$6,373/mo
▼ 0.25% · 3.875%
HK$121,134
−HK$3,209/mo
Today · 4.125%
HK$124,343
baseline
▲ 0.50% · 4.625%
HK$130,898
+HK$6,555/mo
Deposit HK$2.58M · loan HK$23.25M · min. income ≈ HK$248,686/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,098,015 · Scale 2, in force from 26 Feb 2026)