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$59,531
−HK$3,733/mo
▼ 0.25% · 3.875%
HK$61,383
−HK$1,881/mo
Today · 4.125%
HK$63,264
baseline
▲ 0.50% · 4.625%
HK$67,113
+HK$3,849/mo
Deposit HK$13.05M · loan HK$13.05M · min. income ≈ HK$126,528/mo (50% DSR)
Upfront cash ≈ HK$14.16M (deposit + AVD stamp duty HK$1,109,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,228
−HK$3,578/mo
▼ 0.25% · 3.875%
HK$68,004
−HK$1,802/mo
Today · 4.125%
HK$69,806
baseline
▲ 0.50% · 4.625%
HK$73,485
+HK$3,679/mo
Deposit HK$13.05M · loan HK$13.05M · min. income ≈ HK$139,612/mo (50% DSR)
Upfront cash ≈ HK$14.16M (deposit + AVD stamp duty HK$1,109,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,437
−HK$4,480/mo
▼ 0.25% · 3.875%
HK$73,659
−HK$2,258/mo
Today · 4.125%
HK$75,917
baseline
▲ 0.50% · 4.625%
HK$80,536
+HK$4,619/mo
Deposit HK$10.44M · loan HK$15.66M · min. income ≈ HK$151,834/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$1,109,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,473
−HK$4,294/mo
▼ 0.25% · 3.875%
HK$81,604
−HK$2,163/mo
Today · 4.125%
HK$83,767
baseline
▲ 0.50% · 4.625%
HK$88,182
+HK$4,415/mo
Deposit HK$10.44M · loan HK$15.66M · min. income ≈ HK$167,534/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$1,109,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,343
−HK$5,227/mo
▼ 0.25% · 3.875%
HK$85,936
−HK$2,634/mo
Today · 4.125%
HK$88,570
baseline
▲ 0.50% · 4.625%
HK$93,959
+HK$5,389/mo
Deposit HK$7.83M · loan HK$18.27M · min. income ≈ HK$177,140/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$1,109,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,719
−HK$5,009/mo
▼ 0.25% · 3.875%
HK$95,205
−HK$2,523/mo
Today · 4.125%
HK$97,728
baseline
▲ 0.50% · 4.625%
HK$102,879
+HK$5,151/mo
Deposit HK$7.83M · loan HK$18.27M · min. income ≈ HK$195,456/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$1,109,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,156
−HK$6,719/mo
▼ 0.25% · 3.875%
HK$110,489
−HK$3,386/mo
Today · 4.125%
HK$113,875
baseline
▲ 0.50% · 4.625%
HK$120,804
+HK$6,929/mo
Deposit HK$2.61M · loan HK$23.50M · min. income ≈ HK$227,750/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,109,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,210
−HK$6,440/mo
▼ 0.25% · 3.875%
HK$122,407
−HK$3,243/mo
Today · 4.125%
HK$125,650
baseline
▲ 0.50% · 4.625%
HK$132,273
+HK$6,623/mo
Deposit HK$2.61M · loan HK$23.50M · min. income ≈ HK$251,300/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,109,553 · Scale 2, in force from 26 Feb 2026)