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$58,526
−HK$3,670/mo
▼ 0.25% · 3.875%
HK$60,347
−HK$1,849/mo
Today · 4.125%
HK$62,196
baseline
▲ 0.50% · 4.625%
HK$65,981
+HK$3,785/mo
Deposit HK$12.83M · loan HK$12.83M · min. income ≈ HK$124,392/mo (50% DSR)
Upfront cash ≈ HK$13.92M (deposit + AVD stamp duty HK$1,090,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,110
−HK$3,517/mo
▼ 0.25% · 3.875%
HK$66,856
−HK$1,771/mo
Today · 4.125%
HK$68,627
baseline
▲ 0.50% · 4.625%
HK$72,245
+HK$3,618/mo
Deposit HK$12.83M · loan HK$12.83M · min. income ≈ HK$137,254/mo (50% DSR)
Upfront cash ≈ HK$13.92M (deposit + AVD stamp duty HK$1,090,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,231
−HK$4,404/mo
▼ 0.25% · 3.875%
HK$72,416
−HK$2,219/mo
Today · 4.125%
HK$74,635
baseline
▲ 0.50% · 4.625%
HK$79,177
+HK$4,542/mo
Deposit HK$10.27M · loan HK$15.40M · min. income ≈ HK$149,270/mo (50% DSR)
Upfront cash ≈ HK$11.36M (deposit + AVD stamp duty HK$1,090,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,132
−HK$4,221/mo
▼ 0.25% · 3.875%
HK$80,227
−HK$2,126/mo
Today · 4.125%
HK$82,353
baseline
▲ 0.50% · 4.625%
HK$86,694
+HK$4,341/mo
Deposit HK$10.27M · loan HK$15.40M · min. income ≈ HK$164,706/mo (50% DSR)
Upfront cash ≈ HK$11.36M (deposit + AVD stamp duty HK$1,090,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,937
−HK$5,138/mo
▼ 0.25% · 3.875%
HK$84,485
−HK$2,590/mo
Today · 4.125%
HK$87,075
baseline
▲ 0.50% · 4.625%
HK$92,373
+HK$5,298/mo
Deposit HK$7.70M · loan HK$17.97M · min. income ≈ HK$174,150/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$1,090,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,154
−HK$4,924/mo
▼ 0.25% · 3.875%
HK$93,598
−HK$2,480/mo
Today · 4.125%
HK$96,078
baseline
▲ 0.50% · 4.625%
HK$101,143
+HK$5,065/mo
Deposit HK$7.70M · loan HK$17.97M · min. income ≈ HK$192,156/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$1,090,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,347
−HK$6,606/mo
▼ 0.25% · 3.875%
HK$108,624
−HK$3,329/mo
Today · 4.125%
HK$111,953
baseline
▲ 0.50% · 4.625%
HK$118,765
+HK$6,812/mo
Deposit HK$2.57M · loan HK$23.10M · min. income ≈ HK$223,906/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,090,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,197
−HK$6,332/mo
▼ 0.25% · 3.875%
HK$120,341
−HK$3,188/mo
Today · 4.125%
HK$123,529
baseline
▲ 0.50% · 4.625%
HK$130,041
+HK$6,512/mo
Deposit HK$2.57M · loan HK$23.10M · min. income ≈ HK$247,058/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,090,824 · Scale 2, in force from 26 Feb 2026)