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$58,657
−HK$3,678/mo
▼ 0.25% · 3.875%
HK$60,482
−HK$1,853/mo
Today · 4.125%
HK$62,335
baseline
▲ 0.50% · 4.625%
HK$66,128
+HK$3,793/mo
Deposit HK$12.86M · loan HK$12.86M · min. income ≈ HK$124,670/mo (50% DSR)
Upfront cash ≈ HK$13.96M (deposit + AVD stamp duty HK$1,093,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,255
−HK$3,526/mo
▼ 0.25% · 3.875%
HK$67,005
−HK$1,776/mo
Today · 4.125%
HK$68,781
baseline
▲ 0.50% · 4.625%
HK$72,406
+HK$3,625/mo
Deposit HK$12.86M · loan HK$12.86M · min. income ≈ HK$137,562/mo (50% DSR)
Upfront cash ≈ HK$13.96M (deposit + AVD stamp duty HK$1,093,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,388
−HK$4,414/mo
▼ 0.25% · 3.875%
HK$72,578
−HK$2,224/mo
Today · 4.125%
HK$74,802
baseline
▲ 0.50% · 4.625%
HK$79,354
+HK$4,552/mo
Deposit HK$10.29M · loan HK$15.43M · min. income ≈ HK$149,604/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$1,093,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,306
−HK$4,231/mo
▼ 0.25% · 3.875%
HK$80,406
−HK$2,131/mo
Today · 4.125%
HK$82,537
baseline
▲ 0.50% · 4.625%
HK$86,888
+HK$4,351/mo
Deposit HK$10.29M · loan HK$15.43M · min. income ≈ HK$165,074/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$1,093,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,120
−HK$5,149/mo
▼ 0.25% · 3.875%
HK$84,674
−HK$2,595/mo
Today · 4.125%
HK$87,269
baseline
▲ 0.50% · 4.625%
HK$92,580
+HK$5,311/mo
Deposit HK$7.72M · loan HK$18.01M · min. income ≈ HK$174,538/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$1,093,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,357
−HK$4,936/mo
▼ 0.25% · 3.875%
HK$93,808
−HK$2,485/mo
Today · 4.125%
HK$96,293
baseline
▲ 0.50% · 4.625%
HK$101,369
+HK$5,076/mo
Deposit HK$7.72M · loan HK$18.01M · min. income ≈ HK$192,586/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$1,093,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,583
−HK$6,620/mo
▼ 0.25% · 3.875%
HK$108,867
−HK$3,336/mo
Today · 4.125%
HK$112,203
baseline
▲ 0.50% · 4.625%
HK$119,031
+HK$6,828/mo
Deposit HK$2.57M · loan HK$23.15M · min. income ≈ HK$224,406/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,093,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,460
−HK$6,345/mo
▼ 0.25% · 3.875%
HK$120,610
−HK$3,195/mo
Today · 4.125%
HK$123,805
baseline
▲ 0.50% · 4.625%
HK$130,331
+HK$6,526/mo
Deposit HK$2.57M · loan HK$23.15M · min. income ≈ HK$247,610/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,093,264 · Scale 2, in force from 26 Feb 2026)