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$60,607
−HK$3,801/mo
▼ 0.25% · 3.875%
HK$62,492
−HK$1,916/mo
Today · 4.125%
HK$64,408
baseline
▲ 0.50% · 4.625%
HK$68,327
+HK$3,919/mo
Deposit HK$13.29M · loan HK$13.29M · min. income ≈ HK$128,816/mo (50% DSR)
Upfront cash ≈ HK$14.42M (deposit + AVD stamp duty HK$1,129,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,425
−HK$3,642/mo
▼ 0.25% · 3.875%
HK$69,233
−HK$1,834/mo
Today · 4.125%
HK$71,067
baseline
▲ 0.50% · 4.625%
HK$74,813
+HK$3,746/mo
Deposit HK$13.29M · loan HK$13.29M · min. income ≈ HK$142,134/mo (50% DSR)
Upfront cash ≈ HK$14.42M (deposit + AVD stamp duty HK$1,129,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,728
−HK$4,561/mo
▼ 0.25% · 3.875%
HK$74,991
−HK$2,298/mo
Today · 4.125%
HK$77,289
baseline
▲ 0.50% · 4.625%
HK$81,992
+HK$4,703/mo
Deposit HK$10.63M · loan HK$15.95M · min. income ≈ HK$154,578/mo (50% DSR)
Upfront cash ≈ HK$11.76M (deposit + AVD stamp duty HK$1,129,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,910
−HK$4,371/mo
▼ 0.25% · 3.875%
HK$83,080
−HK$2,201/mo
Today · 4.125%
HK$85,281
baseline
▲ 0.50% · 4.625%
HK$89,776
+HK$4,495/mo
Deposit HK$10.63M · loan HK$15.95M · min. income ≈ HK$170,562/mo (50% DSR)
Upfront cash ≈ HK$11.76M (deposit + AVD stamp duty HK$1,129,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,850
−HK$5,321/mo
▼ 0.25% · 3.875%
HK$87,489
−HK$2,682/mo
Today · 4.125%
HK$90,171
baseline
▲ 0.50% · 4.625%
HK$95,657
+HK$5,486/mo
Deposit HK$7.97M · loan HK$18.61M · min. income ≈ HK$180,342/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$1,129,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,394
−HK$5,100/mo
▼ 0.25% · 3.875%
HK$96,926
−HK$2,568/mo
Today · 4.125%
HK$99,494
baseline
▲ 0.50% · 4.625%
HK$104,739
+HK$5,245/mo
Deposit HK$7.97M · loan HK$18.61M · min. income ≈ HK$198,988/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$1,129,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,093
−HK$6,841/mo
▼ 0.25% · 3.875%
HK$112,486
−HK$3,448/mo
Today · 4.125%
HK$115,934
baseline
▲ 0.50% · 4.625%
HK$122,988
+HK$7,054/mo
Deposit HK$2.66M · loan HK$23.92M · min. income ≈ HK$231,868/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,129,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,364
−HK$6,557/mo
▼ 0.25% · 3.875%
HK$124,619
−HK$3,302/mo
Today · 4.125%
HK$127,921
baseline
▲ 0.50% · 4.625%
HK$134,664
+HK$6,743/mo
Deposit HK$2.66M · loan HK$23.92M · min. income ≈ HK$255,842/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,129,608 · Scale 2, in force from 26 Feb 2026)