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$58,485
−HK$3,668/mo
▼ 0.25% · 3.875%
HK$60,305
−HK$1,848/mo
Today · 4.125%
HK$62,153
baseline
▲ 0.50% · 4.625%
HK$65,935
+HK$3,782/mo
Deposit HK$12.82M · loan HK$12.82M · min. income ≈ HK$124,306/mo (50% DSR)
Upfront cash ≈ HK$13.91M (deposit + AVD stamp duty HK$1,090,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,064
−HK$3,516/mo
▼ 0.25% · 3.875%
HK$66,809
−HK$1,771/mo
Today · 4.125%
HK$68,580
baseline
▲ 0.50% · 4.625%
HK$72,195
+HK$3,615/mo
Deposit HK$12.82M · loan HK$12.82M · min. income ≈ HK$137,160/mo (50% DSR)
Upfront cash ≈ HK$13.91M (deposit + AVD stamp duty HK$1,090,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,182
−HK$4,401/mo
▼ 0.25% · 3.875%
HK$72,365
−HK$2,218/mo
Today · 4.125%
HK$74,583
baseline
▲ 0.50% · 4.625%
HK$79,122
+HK$4,539/mo
Deposit HK$10.26M · loan HK$15.39M · min. income ≈ HK$149,166/mo (50% DSR)
Upfront cash ≈ HK$11.35M (deposit + AVD stamp duty HK$1,090,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,077
−HK$4,218/mo
▼ 0.25% · 3.875%
HK$80,171
−HK$2,124/mo
Today · 4.125%
HK$82,295
baseline
▲ 0.50% · 4.625%
HK$86,633
+HK$4,338/mo
Deposit HK$10.26M · loan HK$15.39M · min. income ≈ HK$164,590/mo (50% DSR)
Upfront cash ≈ HK$11.35M (deposit + AVD stamp duty HK$1,090,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,879
−HK$5,135/mo
▼ 0.25% · 3.875%
HK$84,426
−HK$2,588/mo
Today · 4.125%
HK$87,014
baseline
▲ 0.50% · 4.625%
HK$92,309
+HK$5,295/mo
Deposit HK$7.69M · loan HK$17.95M · min. income ≈ HK$174,028/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$1,090,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,090
−HK$4,921/mo
▼ 0.25% · 3.875%
HK$93,533
−HK$2,478/mo
Today · 4.125%
HK$96,011
baseline
▲ 0.50% · 4.625%
HK$101,072
+HK$5,061/mo
Deposit HK$7.69M · loan HK$17.95M · min. income ≈ HK$192,022/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$1,090,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,274
−HK$6,601/mo
▼ 0.25% · 3.875%
HK$108,548
−HK$3,327/mo
Today · 4.125%
HK$111,875
baseline
▲ 0.50% · 4.625%
HK$118,683
+HK$6,808/mo
Deposit HK$2.56M · loan HK$23.08M · min. income ≈ HK$223,750/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,090,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,116
−HK$6,327/mo
▼ 0.25% · 3.875%
HK$120,257
−HK$3,186/mo
Today · 4.125%
HK$123,443
baseline
▲ 0.50% · 4.625%
HK$129,950
+HK$6,507/mo
Deposit HK$2.56M · loan HK$23.08M · min. income ≈ HK$246,886/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,090,065 · Scale 2, in force from 26 Feb 2026)