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$60,209
−HK$3,776/mo
▼ 0.25% · 3.875%
HK$62,082
−HK$1,903/mo
Today · 4.125%
HK$63,985
baseline
▲ 0.50% · 4.625%
HK$67,878
+HK$3,893/mo
Deposit HK$13.20M · loan HK$13.20M · min. income ≈ HK$127,970/mo (50% DSR)
Upfront cash ≈ HK$14.32M (deposit + AVD stamp duty HK$1,122,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,982
−HK$3,619/mo
▼ 0.25% · 3.875%
HK$68,779
−HK$1,822/mo
Today · 4.125%
HK$70,601
baseline
▲ 0.50% · 4.625%
HK$74,323
+HK$3,722/mo
Deposit HK$13.20M · loan HK$13.20M · min. income ≈ HK$141,202/mo (50% DSR)
Upfront cash ≈ HK$14.32M (deposit + AVD stamp duty HK$1,122,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,251
−HK$4,531/mo
▼ 0.25% · 3.875%
HK$74,499
−HK$2,283/mo
Today · 4.125%
HK$76,782
baseline
▲ 0.50% · 4.625%
HK$81,454
+HK$4,672/mo
Deposit HK$10.56M · loan HK$15.84M · min. income ≈ HK$153,564/mo (50% DSR)
Upfront cash ≈ HK$11.68M (deposit + AVD stamp duty HK$1,122,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,379
−HK$4,343/mo
▼ 0.25% · 3.875%
HK$82,535
−HK$2,187/mo
Today · 4.125%
HK$84,722
baseline
▲ 0.50% · 4.625%
HK$89,187
+HK$4,465/mo
Deposit HK$10.56M · loan HK$15.84M · min. income ≈ HK$169,444/mo (50% DSR)
Upfront cash ≈ HK$11.68M (deposit + AVD stamp duty HK$1,122,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,293
−HK$5,286/mo
▼ 0.25% · 3.875%
HK$86,915
−HK$2,664/mo
Today · 4.125%
HK$89,579
baseline
▲ 0.50% · 4.625%
HK$95,030
+HK$5,451/mo
Deposit HK$7.92M · loan HK$18.48M · min. income ≈ HK$179,158/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$1,122,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,775
−HK$5,067/mo
▼ 0.25% · 3.875%
HK$96,290
−HK$2,552/mo
Today · 4.125%
HK$98,842
baseline
▲ 0.50% · 4.625%
HK$104,052
+HK$5,210/mo
Deposit HK$7.92M · loan HK$18.48M · min. income ≈ HK$197,684/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$1,122,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,377
−HK$6,796/mo
▼ 0.25% · 3.875%
HK$111,748
−HK$3,425/mo
Today · 4.125%
HK$115,173
baseline
▲ 0.50% · 4.625%
HK$122,181
+HK$7,008/mo
Deposit HK$2.64M · loan HK$23.76M · min. income ≈ HK$230,346/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,122,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,568
−HK$6,514/mo
▼ 0.25% · 3.875%
HK$123,802
−HK$3,280/mo
Today · 4.125%
HK$127,082
baseline
▲ 0.50% · 4.625%
HK$133,781
+HK$6,699/mo
Deposit HK$2.64M · loan HK$23.76M · min. income ≈ HK$254,164/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,122,200 · Scale 2, in force from 26 Feb 2026)