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$60,861
−HK$3,816/mo
▼ 0.25% · 3.875%
HK$62,754
−HK$1,923/mo
Today · 4.125%
HK$64,677
baseline
▲ 0.50% · 4.625%
HK$68,613
+HK$3,936/mo
Deposit HK$13.35M · loan HK$13.35M · min. income ≈ HK$129,354/mo (50% DSR)
Upfront cash ≈ HK$14.48M (deposit + AVD stamp duty HK$1,134,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,707
−HK$3,658/mo
▼ 0.25% · 3.875%
HK$69,523
−HK$1,842/mo
Today · 4.125%
HK$71,365
baseline
▲ 0.50% · 4.625%
HK$75,127
+HK$3,762/mo
Deposit HK$13.35M · loan HK$13.35M · min. income ≈ HK$142,730/mo (50% DSR)
Upfront cash ≈ HK$14.48M (deposit + AVD stamp duty HK$1,134,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,033
−HK$4,580/mo
▼ 0.25% · 3.875%
HK$75,305
−HK$2,308/mo
Today · 4.125%
HK$77,613
baseline
▲ 0.50% · 4.625%
HK$82,335
+HK$4,722/mo
Deposit HK$10.68M · loan HK$16.01M · min. income ≈ HK$155,226/mo (50% DSR)
Upfront cash ≈ HK$11.81M (deposit + AVD stamp duty HK$1,134,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,249
−HK$4,389/mo
▼ 0.25% · 3.875%
HK$83,428
−HK$2,210/mo
Today · 4.125%
HK$85,638
baseline
▲ 0.50% · 4.625%
HK$90,152
+HK$4,514/mo
Deposit HK$10.68M · loan HK$16.01M · min. income ≈ HK$171,276/mo (50% DSR)
Upfront cash ≈ HK$11.81M (deposit + AVD stamp duty HK$1,134,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,205
−HK$5,343/mo
▼ 0.25% · 3.875%
HK$87,856
−HK$2,692/mo
Today · 4.125%
HK$90,548
baseline
▲ 0.50% · 4.625%
HK$96,058
+HK$5,510/mo
Deposit HK$8.01M · loan HK$18.68M · min. income ≈ HK$181,096/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$1,134,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,790
−HK$5,121/mo
▼ 0.25% · 3.875%
HK$97,332
−HK$2,579/mo
Today · 4.125%
HK$99,911
baseline
▲ 0.50% · 4.625%
HK$105,178
+HK$5,267/mo
Deposit HK$8.01M · loan HK$18.68M · min. income ≈ HK$199,822/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$1,134,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,550
−HK$6,869/mo
▼ 0.25% · 3.875%
HK$112,957
−HK$3,462/mo
Today · 4.125%
HK$116,419
baseline
▲ 0.50% · 4.625%
HK$123,503
+HK$7,084/mo
Deposit HK$2.67M · loan HK$24.02M · min. income ≈ HK$232,838/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$1,134,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,873
−HK$6,584/mo
▼ 0.25% · 3.875%
HK$125,141
−HK$3,316/mo
Today · 4.125%
HK$128,457
baseline
▲ 0.50% · 4.625%
HK$135,228
+HK$6,771/mo
Deposit HK$2.67M · loan HK$24.02M · min. income ≈ HK$256,914/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$1,134,341 · Scale 2, in force from 26 Feb 2026)