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$59,385
−HK$3,724/mo
▼ 0.25% · 3.875%
HK$61,232
−HK$1,877/mo
Today · 4.125%
HK$63,109
baseline
▲ 0.50% · 4.625%
HK$66,949
+HK$3,840/mo
Deposit HK$13.02M · loan HK$13.02M · min. income ≈ HK$126,218/mo (50% DSR)
Upfront cash ≈ HK$14.13M (deposit + AVD stamp duty HK$1,106,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,065
−HK$3,569/mo
▼ 0.25% · 3.875%
HK$67,837
−HK$1,797/mo
Today · 4.125%
HK$69,634
baseline
▲ 0.50% · 4.625%
HK$73,305
+HK$3,671/mo
Deposit HK$13.02M · loan HK$13.02M · min. income ≈ HK$139,268/mo (50% DSR)
Upfront cash ≈ HK$14.13M (deposit + AVD stamp duty HK$1,106,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,261
−HK$4,469/mo
▼ 0.25% · 3.875%
HK$73,478
−HK$2,252/mo
Today · 4.125%
HK$75,730
baseline
▲ 0.50% · 4.625%
HK$80,338
+HK$4,608/mo
Deposit HK$10.42M · loan HK$15.63M · min. income ≈ HK$151,460/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$1,106,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,278
−HK$4,283/mo
▼ 0.25% · 3.875%
HK$81,404
−HK$2,157/mo
Today · 4.125%
HK$83,561
baseline
▲ 0.50% · 4.625%
HK$87,965
+HK$4,404/mo
Deposit HK$10.42M · loan HK$15.63M · min. income ≈ HK$167,122/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$1,106,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,138
−HK$5,214/mo
▼ 0.25% · 3.875%
HK$85,724
−HK$2,628/mo
Today · 4.125%
HK$88,352
baseline
▲ 0.50% · 4.625%
HK$93,728
+HK$5,376/mo
Deposit HK$7.81M · loan HK$18.23M · min. income ≈ HK$176,704/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$1,106,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,491
−HK$4,997/mo
▼ 0.25% · 3.875%
HK$94,971
−HK$2,517/mo
Today · 4.125%
HK$97,488
baseline
▲ 0.50% · 4.625%
HK$102,626
+HK$5,138/mo
Deposit HK$7.81M · loan HK$18.23M · min. income ≈ HK$194,976/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$1,106,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,892
−HK$6,703/mo
▼ 0.25% · 3.875%
HK$110,217
−HK$3,378/mo
Today · 4.125%
HK$113,595
baseline
▲ 0.50% · 4.625%
HK$120,507
+HK$6,912/mo
Deposit HK$2.60M · loan HK$23.44M · min. income ≈ HK$227,190/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,106,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,917
−HK$6,424/mo
▼ 0.25% · 3.875%
HK$122,106
−HK$3,235/mo
Today · 4.125%
HK$125,341
baseline
▲ 0.50% · 4.625%
HK$131,948
+HK$6,607/mo
Deposit HK$2.60M · loan HK$23.44M · min. income ≈ HK$250,682/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,106,825 · Scale 2, in force from 26 Feb 2026)