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$59,395
−HK$3,725/mo
▼ 0.25% · 3.875%
HK$61,242
−HK$1,878/mo
Today · 4.125%
HK$63,120
baseline
▲ 0.50% · 4.625%
HK$66,960
+HK$3,840/mo
Deposit HK$13.02M · loan HK$13.02M · min. income ≈ HK$126,240/mo (50% DSR)
Upfront cash ≈ HK$14.13M (deposit + AVD stamp duty HK$1,107,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,076
−HK$3,570/mo
▼ 0.25% · 3.875%
HK$67,848
−HK$1,798/mo
Today · 4.125%
HK$69,646
baseline
▲ 0.50% · 4.625%
HK$73,317
+HK$3,671/mo
Deposit HK$13.02M · loan HK$13.02M · min. income ≈ HK$139,292/mo (50% DSR)
Upfront cash ≈ HK$14.13M (deposit + AVD stamp duty HK$1,107,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,274
−HK$4,469/mo
▼ 0.25% · 3.875%
HK$73,491
−HK$2,252/mo
Today · 4.125%
HK$75,743
baseline
▲ 0.50% · 4.625%
HK$80,352
+HK$4,609/mo
Deposit HK$10.42M · loan HK$15.63M · min. income ≈ HK$151,486/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$1,107,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,292
−HK$4,283/mo
▼ 0.25% · 3.875%
HK$81,418
−HK$2,157/mo
Today · 4.125%
HK$83,575
baseline
▲ 0.50% · 4.625%
HK$87,981
+HK$4,406/mo
Deposit HK$10.42M · loan HK$15.63M · min. income ≈ HK$167,150/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$1,107,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,153
−HK$5,214/mo
▼ 0.25% · 3.875%
HK$85,739
−HK$2,628/mo
Today · 4.125%
HK$88,367
baseline
▲ 0.50% · 4.625%
HK$93,744
+HK$5,377/mo
Deposit HK$7.81M · loan HK$18.23M · min. income ≈ HK$176,734/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$1,107,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,507
−HK$4,998/mo
▼ 0.25% · 3.875%
HK$94,988
−HK$2,517/mo
Today · 4.125%
HK$97,505
baseline
▲ 0.50% · 4.625%
HK$102,644
+HK$5,139/mo
Deposit HK$7.81M · loan HK$18.23M · min. income ≈ HK$195,010/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$1,107,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,911
−HK$6,704/mo
▼ 0.25% · 3.875%
HK$110,236
−HK$3,379/mo
Today · 4.125%
HK$113,615
baseline
▲ 0.50% · 4.625%
HK$120,528
+HK$6,913/mo
Deposit HK$2.60M · loan HK$23.44M · min. income ≈ HK$227,230/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,107,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,937
−HK$6,426/mo
▼ 0.25% · 3.875%
HK$122,127
−HK$3,236/mo
Today · 4.125%
HK$125,363
baseline
▲ 0.50% · 4.625%
HK$131,971
+HK$6,608/mo
Deposit HK$2.60M · loan HK$23.44M · min. income ≈ HK$250,726/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,107,018 · Scale 2, in force from 26 Feb 2026)