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$59,427
−HK$3,726/mo
▼ 0.25% · 3.875%
HK$61,275
−HK$1,878/mo
Today · 4.125%
HK$63,153
baseline
▲ 0.50% · 4.625%
HK$66,996
+HK$3,843/mo
Deposit HK$13.03M · loan HK$13.03M · min. income ≈ HK$126,306/mo (50% DSR)
Upfront cash ≈ HK$14.14M (deposit + AVD stamp duty HK$1,107,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,112
−HK$3,572/mo
▼ 0.25% · 3.875%
HK$67,885
−HK$1,799/mo
Today · 4.125%
HK$69,684
baseline
▲ 0.50% · 4.625%
HK$73,357
+HK$3,673/mo
Deposit HK$13.03M · loan HK$13.03M · min. income ≈ HK$139,368/mo (50% DSR)
Upfront cash ≈ HK$14.14M (deposit + AVD stamp duty HK$1,107,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,312
−HK$4,472/mo
▼ 0.25% · 3.875%
HK$73,530
−HK$2,254/mo
Today · 4.125%
HK$75,784
baseline
▲ 0.50% · 4.625%
HK$80,395
+HK$4,611/mo
Deposit HK$10.42M · loan HK$15.64M · min. income ≈ HK$151,568/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$1,107,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,334
−HK$4,286/mo
▼ 0.25% · 3.875%
HK$81,462
−HK$2,158/mo
Today · 4.125%
HK$83,620
baseline
▲ 0.50% · 4.625%
HK$88,028
+HK$4,408/mo
Deposit HK$10.42M · loan HK$15.64M · min. income ≈ HK$167,240/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$1,107,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,198
−HK$5,217/mo
▼ 0.25% · 3.875%
HK$85,786
−HK$2,629/mo
Today · 4.125%
HK$88,415
baseline
▲ 0.50% · 4.625%
HK$93,795
+HK$5,380/mo
Deposit HK$7.82M · loan HK$18.24M · min. income ≈ HK$176,830/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$1,107,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,557
−HK$5,000/mo
▼ 0.25% · 3.875%
HK$95,039
−HK$2,518/mo
Today · 4.125%
HK$97,557
baseline
▲ 0.50% · 4.625%
HK$102,699
+HK$5,142/mo
Deposit HK$7.82M · loan HK$18.24M · min. income ≈ HK$195,114/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$1,107,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,968
−HK$6,708/mo
▼ 0.25% · 3.875%
HK$110,296
−HK$3,380/mo
Today · 4.125%
HK$113,676
baseline
▲ 0.50% · 4.625%
HK$120,593
+HK$6,917/mo
Deposit HK$2.61M · loan HK$23.46M · min. income ≈ HK$227,352/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,107,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,001
−HK$6,430/mo
▼ 0.25% · 3.875%
HK$122,193
−HK$3,238/mo
Today · 4.125%
HK$125,431
baseline
▲ 0.50% · 4.625%
HK$132,042
+HK$6,611/mo
Deposit HK$2.61M · loan HK$23.46M · min. income ≈ HK$250,862/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,107,614 · Scale 2, in force from 26 Feb 2026)