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$60,343
−HK$3,784/mo
▼ 0.25% · 3.875%
HK$62,220
−HK$1,907/mo
Today · 4.125%
HK$64,127
baseline
▲ 0.50% · 4.625%
HK$68,029
+HK$3,902/mo
Deposit HK$13.23M · loan HK$13.23M · min. income ≈ HK$128,254/mo (50% DSR)
Upfront cash ≈ HK$14.36M (deposit + AVD stamp duty HK$1,124,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,131
−HK$3,627/mo
▼ 0.25% · 3.875%
HK$68,931
−HK$1,827/mo
Today · 4.125%
HK$70,758
baseline
▲ 0.50% · 4.625%
HK$74,487
+HK$3,729/mo
Deposit HK$13.23M · loan HK$13.23M · min. income ≈ HK$141,516/mo (50% DSR)
Upfront cash ≈ HK$14.36M (deposit + AVD stamp duty HK$1,124,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,411
−HK$4,541/mo
▼ 0.25% · 3.875%
HK$74,664
−HK$2,288/mo
Today · 4.125%
HK$76,952
baseline
▲ 0.50% · 4.625%
HK$81,634
+HK$4,682/mo
Deposit HK$10.59M · loan HK$15.88M · min. income ≈ HK$153,904/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$1,124,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,557
−HK$4,352/mo
▼ 0.25% · 3.875%
HK$82,717
−HK$2,192/mo
Today · 4.125%
HK$84,909
baseline
▲ 0.50% · 4.625%
HK$89,385
+HK$4,476/mo
Deposit HK$10.59M · loan HK$15.88M · min. income ≈ HK$169,818/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$1,124,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,480
−HK$5,297/mo
▼ 0.25% · 3.875%
HK$87,108
−HK$2,669/mo
Today · 4.125%
HK$89,777
baseline
▲ 0.50% · 4.625%
HK$95,240
+HK$5,463/mo
Deposit HK$7.94M · loan HK$18.52M · min. income ≈ HK$179,554/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$1,124,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,983
−HK$5,078/mo
▼ 0.25% · 3.875%
HK$96,504
−HK$2,557/mo
Today · 4.125%
HK$99,061
baseline
▲ 0.50% · 4.625%
HK$104,282
+HK$5,221/mo
Deposit HK$7.94M · loan HK$18.52M · min. income ≈ HK$198,122/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$1,124,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,617
−HK$6,811/mo
▼ 0.25% · 3.875%
HK$111,996
−HK$3,432/mo
Today · 4.125%
HK$115,428
baseline
▲ 0.50% · 4.625%
HK$122,452
+HK$7,024/mo
Deposit HK$2.65M · loan HK$23.82M · min. income ≈ HK$230,856/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,124,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,835
−HK$6,529/mo
▼ 0.25% · 3.875%
HK$124,076
−HK$3,288/mo
Today · 4.125%
HK$127,364
baseline
▲ 0.50% · 4.625%
HK$134,077
+HK$6,713/mo
Deposit HK$2.65M · loan HK$23.82M · min. income ≈ HK$254,728/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,124,684 · Scale 2, in force from 26 Feb 2026)