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$59,376
−HK$3,723/mo
▼ 0.25% · 3.875%
HK$61,223
−HK$1,876/mo
Today · 4.125%
HK$63,099
baseline
▲ 0.50% · 4.625%
HK$66,939
+HK$3,840/mo
Deposit HK$13.02M · loan HK$13.02M · min. income ≈ HK$126,198/mo (50% DSR)
Upfront cash ≈ HK$14.13M (deposit + AVD stamp duty HK$1,106,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,055
−HK$3,569/mo
▼ 0.25% · 3.875%
HK$67,827
−HK$1,797/mo
Today · 4.125%
HK$69,624
baseline
▲ 0.50% · 4.625%
HK$73,294
+HK$3,670/mo
Deposit HK$13.02M · loan HK$13.02M · min. income ≈ HK$139,248/mo (50% DSR)
Upfront cash ≈ HK$14.13M (deposit + AVD stamp duty HK$1,106,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,251
−HK$4,468/mo
▼ 0.25% · 3.875%
HK$73,467
−HK$2,252/mo
Today · 4.125%
HK$75,719
baseline
▲ 0.50% · 4.625%
HK$80,326
+HK$4,607/mo
Deposit HK$10.42M · loan HK$15.62M · min. income ≈ HK$151,438/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$1,106,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,266
−HK$4,282/mo
▼ 0.25% · 3.875%
HK$81,392
−HK$2,156/mo
Today · 4.125%
HK$83,548
baseline
▲ 0.50% · 4.625%
HK$87,952
+HK$4,404/mo
Deposit HK$10.42M · loan HK$15.62M · min. income ≈ HK$167,096/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$1,106,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,126
−HK$5,213/mo
▼ 0.25% · 3.875%
HK$85,712
−HK$2,627/mo
Today · 4.125%
HK$88,339
baseline
▲ 0.50% · 4.625%
HK$93,714
+HK$5,375/mo
Deposit HK$7.81M · loan HK$18.23M · min. income ≈ HK$176,678/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$1,106,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,477
−HK$4,996/mo
▼ 0.25% · 3.875%
HK$94,957
−HK$2,516/mo
Today · 4.125%
HK$97,473
baseline
▲ 0.50% · 4.625%
HK$102,611
+HK$5,138/mo
Deposit HK$7.81M · loan HK$18.23M · min. income ≈ HK$194,946/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$1,106,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,876
−HK$6,703/mo
▼ 0.25% · 3.875%
HK$110,201
−HK$3,378/mo
Today · 4.125%
HK$113,579
baseline
▲ 0.50% · 4.625%
HK$120,490
+HK$6,911/mo
Deposit HK$2.60M · loan HK$23.44M · min. income ≈ HK$227,158/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,106,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,899
−HK$6,424/mo
▼ 0.25% · 3.875%
HK$122,088
−HK$3,235/mo
Today · 4.125%
HK$125,323
baseline
▲ 0.50% · 4.625%
HK$131,929
+HK$6,606/mo
Deposit HK$2.60M · loan HK$23.44M · min. income ≈ HK$250,646/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,106,662 · Scale 2, in force from 26 Feb 2026)