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$60,820
−HK$3,814/mo
▼ 0.25% · 3.875%
HK$62,712
−HK$1,922/mo
Today · 4.125%
HK$64,634
baseline
▲ 0.50% · 4.625%
HK$68,567
+HK$3,933/mo
Deposit HK$13.34M · loan HK$13.34M · min. income ≈ HK$129,268/mo (50% DSR)
Upfront cash ≈ HK$14.47M (deposit + AVD stamp duty HK$1,133,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,662
−HK$3,655/mo
▼ 0.25% · 3.875%
HK$69,476
−HK$1,841/mo
Today · 4.125%
HK$71,317
baseline
▲ 0.50% · 4.625%
HK$75,076
+HK$3,759/mo
Deposit HK$13.34M · loan HK$13.34M · min. income ≈ HK$142,634/mo (50% DSR)
Upfront cash ≈ HK$14.47M (deposit + AVD stamp duty HK$1,133,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,984
−HK$4,577/mo
▼ 0.25% · 3.875%
HK$75,254
−HK$2,307/mo
Today · 4.125%
HK$77,561
baseline
▲ 0.50% · 4.625%
HK$82,280
+HK$4,719/mo
Deposit HK$10.67M · loan HK$16.00M · min. income ≈ HK$155,122/mo (50% DSR)
Upfront cash ≈ HK$11.80M (deposit + AVD stamp duty HK$1,133,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,194
−HK$4,386/mo
▼ 0.25% · 3.875%
HK$83,371
−HK$2,209/mo
Today · 4.125%
HK$85,580
baseline
▲ 0.50% · 4.625%
HK$90,092
+HK$4,512/mo
Deposit HK$10.67M · loan HK$16.00M · min. income ≈ HK$171,160/mo (50% DSR)
Upfront cash ≈ HK$11.80M (deposit + AVD stamp duty HK$1,133,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,148
−HK$5,339/mo
▼ 0.25% · 3.875%
HK$87,796
−HK$2,691/mo
Today · 4.125%
HK$90,487
baseline
▲ 0.50% · 4.625%
HK$95,993
+HK$5,506/mo
Deposit HK$8.00M · loan HK$18.67M · min. income ≈ HK$180,974/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$1,133,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,726
−HK$5,118/mo
▼ 0.25% · 3.875%
HK$97,267
−HK$2,577/mo
Today · 4.125%
HK$99,844
baseline
▲ 0.50% · 4.625%
HK$105,107
+HK$5,263/mo
Deposit HK$8.00M · loan HK$18.67M · min. income ≈ HK$199,688/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$1,133,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,476
−HK$6,865/mo
▼ 0.25% · 3.875%
HK$112,881
−HK$3,460/mo
Today · 4.125%
HK$116,341
baseline
▲ 0.50% · 4.625%
HK$123,420
+HK$7,079/mo
Deposit HK$2.67M · loan HK$24.01M · min. income ≈ HK$232,682/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$1,133,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,791
−HK$6,580/mo
▼ 0.25% · 3.875%
HK$125,057
−HK$3,314/mo
Today · 4.125%
HK$128,371
baseline
▲ 0.50% · 4.625%
HK$135,137
+HK$6,766/mo
Deposit HK$2.67M · loan HK$24.01M · min. income ≈ HK$256,742/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$1,133,577 · Scale 2, in force from 26 Feb 2026)