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$60,400
−HK$3,788/mo
▼ 0.25% · 3.875%
HK$62,279
−HK$1,909/mo
Today · 4.125%
HK$64,188
baseline
▲ 0.50% · 4.625%
HK$68,094
+HK$3,906/mo
Deposit HK$13.24M · loan HK$13.24M · min. income ≈ HK$128,376/mo (50% DSR)
Upfront cash ≈ HK$14.37M (deposit + AVD stamp duty HK$1,125,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,195
−HK$3,630/mo
▼ 0.25% · 3.875%
HK$68,997
−HK$1,828/mo
Today · 4.125%
HK$70,825
baseline
▲ 0.50% · 4.625%
HK$74,558
+HK$3,733/mo
Deposit HK$13.24M · loan HK$13.24M · min. income ≈ HK$141,650/mo (50% DSR)
Upfront cash ≈ HK$14.37M (deposit + AVD stamp duty HK$1,125,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,480
−HK$4,546/mo
▼ 0.25% · 3.875%
HK$74,735
−HK$2,291/mo
Today · 4.125%
HK$77,026
baseline
▲ 0.50% · 4.625%
HK$81,712
+HK$4,686/mo
Deposit HK$10.60M · loan HK$15.89M · min. income ≈ HK$154,052/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$1,125,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,634
−HK$4,356/mo
▼ 0.25% · 3.875%
HK$82,796
−HK$2,194/mo
Today · 4.125%
HK$84,990
baseline
▲ 0.50% · 4.625%
HK$89,470
+HK$4,480/mo
Deposit HK$10.60M · loan HK$15.89M · min. income ≈ HK$169,980/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$1,125,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,561
−HK$5,302/mo
▼ 0.25% · 3.875%
HK$87,191
−HK$2,672/mo
Today · 4.125%
HK$89,863
baseline
▲ 0.50% · 4.625%
HK$95,331
+HK$5,468/mo
Deposit HK$7.95M · loan HK$18.54M · min. income ≈ HK$179,726/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$1,125,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,073
−HK$5,082/mo
▼ 0.25% · 3.875%
HK$96,596
−HK$2,559/mo
Today · 4.125%
HK$99,155
baseline
▲ 0.50% · 4.625%
HK$104,382
+HK$5,227/mo
Deposit HK$7.95M · loan HK$18.54M · min. income ≈ HK$198,310/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$1,125,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,721
−HK$6,817/mo
▼ 0.25% · 3.875%
HK$112,103
−HK$3,435/mo
Today · 4.125%
HK$115,538
baseline
▲ 0.50% · 4.625%
HK$122,569
+HK$7,031/mo
Deposit HK$2.65M · loan HK$23.84M · min. income ≈ HK$231,076/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,125,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,951
−HK$6,534/mo
▼ 0.25% · 3.875%
HK$124,195
−HK$3,290/mo
Today · 4.125%
HK$127,485
baseline
▲ 0.50% · 4.625%
HK$134,205
+HK$6,720/mo
Deposit HK$2.65M · loan HK$23.84M · min. income ≈ HK$254,970/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,125,758 · Scale 2, in force from 26 Feb 2026)