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$60,702
−HK$3,807/mo
▼ 0.25% · 3.875%
HK$62,590
−HK$1,919/mo
Today · 4.125%
HK$64,509
baseline
▲ 0.50% · 4.625%
HK$68,434
+HK$3,925/mo
Deposit HK$13.31M · loan HK$13.31M · min. income ≈ HK$129,018/mo (50% DSR)
Upfront cash ≈ HK$14.44M (deposit + AVD stamp duty HK$1,131,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,531
−HK$3,648/mo
▼ 0.25% · 3.875%
HK$69,342
−HK$1,837/mo
Today · 4.125%
HK$71,179
baseline
▲ 0.50% · 4.625%
HK$74,931
+HK$3,752/mo
Deposit HK$13.31M · loan HK$13.31M · min. income ≈ HK$142,358/mo (50% DSR)
Upfront cash ≈ HK$14.44M (deposit + AVD stamp duty HK$1,131,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,843
−HK$4,568/mo
▼ 0.25% · 3.875%
HK$75,109
−HK$2,302/mo
Today · 4.125%
HK$77,411
baseline
▲ 0.50% · 4.625%
HK$82,121
+HK$4,710/mo
Deposit HK$10.65M · loan HK$15.97M · min. income ≈ HK$154,822/mo (50% DSR)
Upfront cash ≈ HK$11.78M (deposit + AVD stamp duty HK$1,131,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,037
−HK$4,378/mo
▼ 0.25% · 3.875%
HK$83,210
−HK$2,205/mo
Today · 4.125%
HK$85,415
baseline
▲ 0.50% · 4.625%
HK$89,917
+HK$4,502/mo
Deposit HK$10.65M · loan HK$15.97M · min. income ≈ HK$170,830/mo (50% DSR)
Upfront cash ≈ HK$11.78M (deposit + AVD stamp duty HK$1,131,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,983
−HK$5,329/mo
▼ 0.25% · 3.875%
HK$87,627
−HK$2,685/mo
Today · 4.125%
HK$90,312
baseline
▲ 0.50% · 4.625%
HK$95,808
+HK$5,496/mo
Deposit HK$7.99M · loan HK$18.63M · min. income ≈ HK$180,624/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$1,131,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,543
−HK$5,108/mo
▼ 0.25% · 3.875%
HK$97,078
−HK$2,573/mo
Today · 4.125%
HK$99,651
baseline
▲ 0.50% · 4.625%
HK$104,903
+HK$5,252/mo
Deposit HK$7.99M · loan HK$18.63M · min. income ≈ HK$199,302/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$1,131,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,264
−HK$6,852/mo
▼ 0.25% · 3.875%
HK$112,663
−HK$3,453/mo
Today · 4.125%
HK$116,116
baseline
▲ 0.50% · 4.625%
HK$123,181
+HK$7,065/mo
Deposit HK$2.66M · loan HK$23.96M · min. income ≈ HK$232,232/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,131,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,555
−HK$6,567/mo
▼ 0.25% · 3.875%
HK$124,815
−HK$3,307/mo
Today · 4.125%
HK$128,122
baseline
▲ 0.50% · 4.625%
HK$134,876
+HK$6,754/mo
Deposit HK$2.66M · loan HK$23.96M · min. income ≈ HK$256,244/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,131,384 · Scale 2, in force from 26 Feb 2026)