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$58,512
−HK$3,669/mo
▼ 0.25% · 3.875%
HK$60,332
−HK$1,849/mo
Today · 4.125%
HK$62,181
baseline
▲ 0.50% · 4.625%
HK$65,964
+HK$3,783/mo
Deposit HK$12.83M · loan HK$12.83M · min. income ≈ HK$124,362/mo (50% DSR)
Upfront cash ≈ HK$13.92M (deposit + AVD stamp duty HK$1,090,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,094
−HK$3,516/mo
▼ 0.25% · 3.875%
HK$66,839
−HK$1,771/mo
Today · 4.125%
HK$68,610
baseline
▲ 0.50% · 4.625%
HK$72,227
+HK$3,617/mo
Deposit HK$12.83M · loan HK$12.83M · min. income ≈ HK$137,220/mo (50% DSR)
Upfront cash ≈ HK$13.92M (deposit + AVD stamp duty HK$1,090,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,214
−HK$4,403/mo
▼ 0.25% · 3.875%
HK$72,398
−HK$2,219/mo
Today · 4.125%
HK$74,617
baseline
▲ 0.50% · 4.625%
HK$79,157
+HK$4,540/mo
Deposit HK$10.26M · loan HK$15.40M · min. income ≈ HK$149,234/mo (50% DSR)
Upfront cash ≈ HK$11.35M (deposit + AVD stamp duty HK$1,090,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,112
−HK$4,220/mo
▼ 0.25% · 3.875%
HK$80,207
−HK$2,125/mo
Today · 4.125%
HK$82,332
baseline
▲ 0.50% · 4.625%
HK$86,672
+HK$4,340/mo
Deposit HK$10.26M · loan HK$15.40M · min. income ≈ HK$164,664/mo (50% DSR)
Upfront cash ≈ HK$11.35M (deposit + AVD stamp duty HK$1,090,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,916
−HK$5,137/mo
▼ 0.25% · 3.875%
HK$84,464
−HK$2,589/mo
Today · 4.125%
HK$87,053
baseline
▲ 0.50% · 4.625%
HK$92,350
+HK$5,297/mo
Deposit HK$7.70M · loan HK$17.96M · min. income ≈ HK$174,106/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$1,090,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,131
−HK$4,923/mo
▼ 0.25% · 3.875%
HK$93,575
−HK$2,479/mo
Today · 4.125%
HK$96,054
baseline
▲ 0.50% · 4.625%
HK$101,118
+HK$5,064/mo
Deposit HK$7.70M · loan HK$17.96M · min. income ≈ HK$192,108/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$1,090,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,321
−HK$6,604/mo
▼ 0.25% · 3.875%
HK$108,597
−HK$3,328/mo
Today · 4.125%
HK$111,925
baseline
▲ 0.50% · 4.625%
HK$118,736
+HK$6,811/mo
Deposit HK$2.57M · loan HK$23.09M · min. income ≈ HK$223,850/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,090,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,168
−HK$6,331/mo
▼ 0.25% · 3.875%
HK$120,311
−HK$3,188/mo
Today · 4.125%
HK$123,499
baseline
▲ 0.50% · 4.625%
HK$130,008
+HK$6,509/mo
Deposit HK$2.57M · loan HK$23.09M · min. income ≈ HK$246,998/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,090,554 · Scale 2, in force from 26 Feb 2026)