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$58,555
−HK$3,672/mo
▼ 0.25% · 3.875%
HK$60,376
−HK$1,851/mo
Today · 4.125%
HK$62,227
baseline
▲ 0.50% · 4.625%
HK$66,013
+HK$3,786/mo
Deposit HK$12.84M · loan HK$12.84M · min. income ≈ HK$124,454/mo (50% DSR)
Upfront cash ≈ HK$13.93M (deposit + AVD stamp duty HK$1,091,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,142
−HK$3,519/mo
▼ 0.25% · 3.875%
HK$66,889
−HK$1,772/mo
Today · 4.125%
HK$68,661
baseline
▲ 0.50% · 4.625%
HK$72,281
+HK$3,620/mo
Deposit HK$12.84M · loan HK$12.84M · min. income ≈ HK$137,322/mo (50% DSR)
Upfront cash ≈ HK$13.93M (deposit + AVD stamp duty HK$1,091,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,266
−HK$4,406/mo
▼ 0.25% · 3.875%
HK$72,452
−HK$2,220/mo
Today · 4.125%
HK$74,672
baseline
▲ 0.50% · 4.625%
HK$79,216
+HK$4,544/mo
Deposit HK$10.27M · loan HK$15.41M · min. income ≈ HK$149,344/mo (50% DSR)
Upfront cash ≈ HK$11.36M (deposit + AVD stamp duty HK$1,091,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,170
−HK$4,224/mo
▼ 0.25% · 3.875%
HK$80,267
−HK$2,127/mo
Today · 4.125%
HK$82,394
baseline
▲ 0.50% · 4.625%
HK$86,737
+HK$4,343/mo
Deposit HK$10.27M · loan HK$15.41M · min. income ≈ HK$164,788/mo (50% DSR)
Upfront cash ≈ HK$11.36M (deposit + AVD stamp duty HK$1,091,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,977
−HK$5,141/mo
▼ 0.25% · 3.875%
HK$84,527
−HK$2,591/mo
Today · 4.125%
HK$87,118
baseline
▲ 0.50% · 4.625%
HK$92,419
+HK$5,301/mo
Deposit HK$7.70M · loan HK$17.98M · min. income ≈ HK$174,236/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$1,091,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,199
−HK$4,927/mo
▼ 0.25% · 3.875%
HK$93,645
−HK$2,481/mo
Today · 4.125%
HK$96,126
baseline
▲ 0.50% · 4.625%
HK$101,193
+HK$5,067/mo
Deposit HK$7.70M · loan HK$17.98M · min. income ≈ HK$192,252/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$1,091,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,399
−HK$6,610/mo
▼ 0.25% · 3.875%
HK$108,678
−HK$3,331/mo
Today · 4.125%
HK$112,009
baseline
▲ 0.50% · 4.625%
HK$118,824
+HK$6,815/mo
Deposit HK$2.57M · loan HK$23.11M · min. income ≈ HK$224,018/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,091,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,255
−HK$6,335/mo
▼ 0.25% · 3.875%
HK$120,400
−HK$3,190/mo
Today · 4.125%
HK$123,590
baseline
▲ 0.50% · 4.625%
HK$130,105
+HK$6,515/mo
Deposit HK$2.57M · loan HK$23.11M · min. income ≈ HK$247,180/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,091,365 · Scale 2, in force from 26 Feb 2026)