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$58,658
−HK$3,679/mo
▼ 0.25% · 3.875%
HK$60,483
−HK$1,854/mo
Today · 4.125%
HK$62,337
baseline
▲ 0.50% · 4.625%
HK$66,130
+HK$3,793/mo
Deposit HK$12.86M · loan HK$12.86M · min. income ≈ HK$124,674/mo (50% DSR)
Upfront cash ≈ HK$13.96M (deposit + AVD stamp duty HK$1,093,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,257
−HK$3,525/mo
▼ 0.25% · 3.875%
HK$67,007
−HK$1,775/mo
Today · 4.125%
HK$68,782
baseline
▲ 0.50% · 4.625%
HK$72,408
+HK$3,626/mo
Deposit HK$12.86M · loan HK$12.86M · min. income ≈ HK$137,564/mo (50% DSR)
Upfront cash ≈ HK$13.96M (deposit + AVD stamp duty HK$1,093,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,390
−HK$4,414/mo
▼ 0.25% · 3.875%
HK$72,579
−HK$2,225/mo
Today · 4.125%
HK$74,804
baseline
▲ 0.50% · 4.625%
HK$79,355
+HK$4,551/mo
Deposit HK$10.29M · loan HK$15.43M · min. income ≈ HK$149,608/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$1,093,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,308
−HK$4,231/mo
▼ 0.25% · 3.875%
HK$80,408
−HK$2,131/mo
Today · 4.125%
HK$82,539
baseline
▲ 0.50% · 4.625%
HK$86,889
+HK$4,350/mo
Deposit HK$10.29M · loan HK$15.43M · min. income ≈ HK$165,078/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$1,093,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,121
−HK$5,150/mo
▼ 0.25% · 3.875%
HK$84,676
−HK$2,595/mo
Today · 4.125%
HK$87,271
baseline
▲ 0.50% · 4.625%
HK$92,581
+HK$5,310/mo
Deposit HK$7.72M · loan HK$18.01M · min. income ≈ HK$174,542/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$1,093,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,359
−HK$4,936/mo
▼ 0.25% · 3.875%
HK$93,809
−HK$2,486/mo
Today · 4.125%
HK$96,295
baseline
▲ 0.50% · 4.625%
HK$101,371
+HK$5,076/mo
Deposit HK$7.72M · loan HK$18.01M · min. income ≈ HK$192,590/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$1,093,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,585
−HK$6,621/mo
▼ 0.25% · 3.875%
HK$108,869
−HK$3,337/mo
Today · 4.125%
HK$112,206
baseline
▲ 0.50% · 4.625%
HK$119,033
+HK$6,827/mo
Deposit HK$2.57M · loan HK$23.15M · min. income ≈ HK$224,412/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,093,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,462
−HK$6,346/mo
▼ 0.25% · 3.875%
HK$120,612
−HK$3,196/mo
Today · 4.125%
HK$123,808
baseline
▲ 0.50% · 4.625%
HK$130,334
+HK$6,526/mo
Deposit HK$2.57M · loan HK$23.15M · min. income ≈ HK$247,616/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,093,286 · Scale 2, in force from 26 Feb 2026)