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$60,580
−HK$3,799/mo
▼ 0.25% · 3.875%
HK$62,464
−HK$1,915/mo
Today · 4.125%
HK$64,379
baseline
▲ 0.50% · 4.625%
HK$68,296
+HK$3,917/mo
Deposit HK$13.28M · loan HK$13.28M · min. income ≈ HK$128,758/mo (50% DSR)
Upfront cash ≈ HK$14.41M (deposit + AVD stamp duty HK$1,129,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,395
−HK$3,641/mo
▼ 0.25% · 3.875%
HK$69,202
−HK$1,834/mo
Today · 4.125%
HK$71,036
baseline
▲ 0.50% · 4.625%
HK$74,780
+HK$3,744/mo
Deposit HK$13.28M · loan HK$13.28M · min. income ≈ HK$142,072/mo (50% DSR)
Upfront cash ≈ HK$14.41M (deposit + AVD stamp duty HK$1,129,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,696
−HK$4,559/mo
▼ 0.25% · 3.875%
HK$74,957
−HK$2,298/mo
Today · 4.125%
HK$77,255
baseline
▲ 0.50% · 4.625%
HK$81,956
+HK$4,701/mo
Deposit HK$10.63M · loan HK$15.94M · min. income ≈ HK$154,510/mo (50% DSR)
Upfront cash ≈ HK$11.76M (deposit + AVD stamp duty HK$1,129,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,874
−HK$4,369/mo
▼ 0.25% · 3.875%
HK$83,043
−HK$2,200/mo
Today · 4.125%
HK$85,243
baseline
▲ 0.50% · 4.625%
HK$89,736
+HK$4,493/mo
Deposit HK$10.63M · loan HK$15.94M · min. income ≈ HK$170,486/mo (50% DSR)
Upfront cash ≈ HK$11.76M (deposit + AVD stamp duty HK$1,129,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,812
−HK$5,319/mo
▼ 0.25% · 3.875%
HK$87,450
−HK$2,681/mo
Today · 4.125%
HK$90,131
baseline
▲ 0.50% · 4.625%
HK$95,615
+HK$5,484/mo
Deposit HK$7.97M · loan HK$18.60M · min. income ≈ HK$180,262/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$1,129,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,353
−HK$5,097/mo
▼ 0.25% · 3.875%
HK$96,883
−HK$2,567/mo
Today · 4.125%
HK$99,450
baseline
▲ 0.50% · 4.625%
HK$104,692
+HK$5,242/mo
Deposit HK$7.97M · loan HK$18.60M · min. income ≈ HK$198,900/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$1,129,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,044
−HK$6,838/mo
▼ 0.25% · 3.875%
HK$112,436
−HK$3,446/mo
Today · 4.125%
HK$115,882
baseline
▲ 0.50% · 4.625%
HK$122,933
+HK$7,051/mo
Deposit HK$2.66M · loan HK$23.91M · min. income ≈ HK$231,764/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,129,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,311
−HK$6,554/mo
▼ 0.25% · 3.875%
HK$124,564
−HK$3,301/mo
Today · 4.125%
HK$127,865
baseline
▲ 0.50% · 4.625%
HK$134,605
+HK$6,740/mo
Deposit HK$2.66M · loan HK$23.91M · min. income ≈ HK$255,730/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,129,108 · Scale 2, in force from 26 Feb 2026)