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$59,163
−HK$3,710/mo
▼ 0.25% · 3.875%
HK$61,003
−HK$1,870/mo
Today · 4.125%
HK$62,873
baseline
▲ 0.50% · 4.625%
HK$66,698
+HK$3,825/mo
Deposit HK$12.97M · loan HK$12.97M · min. income ≈ HK$125,746/mo (50% DSR)
Upfront cash ≈ HK$14.08M (deposit + AVD stamp duty HK$1,102,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,818
−HK$3,556/mo
▼ 0.25% · 3.875%
HK$67,583
−HK$1,791/mo
Today · 4.125%
HK$69,374
baseline
▲ 0.50% · 4.625%
HK$73,031
+HK$3,657/mo
Deposit HK$12.97M · loan HK$12.97M · min. income ≈ HK$138,748/mo (50% DSR)
Upfront cash ≈ HK$14.08M (deposit + AVD stamp duty HK$1,102,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,995
−HK$4,452/mo
▼ 0.25% · 3.875%
HK$73,204
−HK$2,243/mo
Today · 4.125%
HK$75,447
baseline
▲ 0.50% · 4.625%
HK$80,038
+HK$4,591/mo
Deposit HK$10.38M · loan HK$15.57M · min. income ≈ HK$150,894/mo (50% DSR)
Upfront cash ≈ HK$11.48M (deposit + AVD stamp duty HK$1,102,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,981
−HK$4,268/mo
▼ 0.25% · 3.875%
HK$81,100
−HK$2,149/mo
Today · 4.125%
HK$83,249
baseline
▲ 0.50% · 4.625%
HK$87,637
+HK$4,388/mo
Deposit HK$10.38M · loan HK$15.57M · min. income ≈ HK$166,498/mo (50% DSR)
Upfront cash ≈ HK$11.48M (deposit + AVD stamp duty HK$1,102,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,828
−HK$5,194/mo
▼ 0.25% · 3.875%
HK$85,404
−HK$2,618/mo
Today · 4.125%
HK$88,022
baseline
▲ 0.50% · 4.625%
HK$93,378
+HK$5,356/mo
Deposit HK$7.78M · loan HK$18.16M · min. income ≈ HK$176,044/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$1,102,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,145
−HK$4,978/mo
▼ 0.25% · 3.875%
HK$94,616
−HK$2,507/mo
Today · 4.125%
HK$97,123
baseline
▲ 0.50% · 4.625%
HK$102,243
+HK$5,120/mo
Deposit HK$7.78M · loan HK$18.16M · min. income ≈ HK$194,246/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$1,102,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,493
−HK$6,678/mo
▼ 0.25% · 3.875%
HK$109,805
−HK$3,366/mo
Today · 4.125%
HK$113,171
baseline
▲ 0.50% · 4.625%
HK$120,057
+HK$6,886/mo
Deposit HK$2.59M · loan HK$23.35M · min. income ≈ HK$226,342/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,102,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,472
−HK$6,401/mo
▼ 0.25% · 3.875%
HK$121,650
−HK$3,223/mo
Today · 4.125%
HK$124,873
baseline
▲ 0.50% · 4.625%
HK$131,455
+HK$6,582/mo
Deposit HK$2.59M · loan HK$23.35M · min. income ≈ HK$249,746/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,102,690 · Scale 2, in force from 26 Feb 2026)