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$60,693
−HK$3,806/mo
▼ 0.25% · 3.875%
HK$62,581
−HK$1,918/mo
Today · 4.125%
HK$64,499
baseline
▲ 0.50% · 4.625%
HK$68,423
+HK$3,924/mo
Deposit HK$13.31M · loan HK$13.31M · min. income ≈ HK$128,998/mo (50% DSR)
Upfront cash ≈ HK$14.44M (deposit + AVD stamp duty HK$1,131,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,520
−HK$3,648/mo
▼ 0.25% · 3.875%
HK$69,331
−HK$1,837/mo
Today · 4.125%
HK$71,168
baseline
▲ 0.50% · 4.625%
HK$74,919
+HK$3,751/mo
Deposit HK$13.31M · loan HK$13.31M · min. income ≈ HK$142,336/mo (50% DSR)
Upfront cash ≈ HK$14.44M (deposit + AVD stamp duty HK$1,131,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,831
−HK$4,567/mo
▼ 0.25% · 3.875%
HK$75,097
−HK$2,301/mo
Today · 4.125%
HK$77,398
baseline
▲ 0.50% · 4.625%
HK$82,108
+HK$4,710/mo
Deposit HK$10.65M · loan HK$15.97M · min. income ≈ HK$154,796/mo (50% DSR)
Upfront cash ≈ HK$11.78M (deposit + AVD stamp duty HK$1,131,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,024
−HK$4,378/mo
▼ 0.25% · 3.875%
HK$83,197
−HK$2,205/mo
Today · 4.125%
HK$85,402
baseline
▲ 0.50% · 4.625%
HK$89,903
+HK$4,501/mo
Deposit HK$10.65M · loan HK$15.97M · min. income ≈ HK$170,804/mo (50% DSR)
Upfront cash ≈ HK$11.78M (deposit + AVD stamp duty HK$1,131,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,970
−HK$5,328/mo
▼ 0.25% · 3.875%
HK$87,613
−HK$2,685/mo
Today · 4.125%
HK$90,298
baseline
▲ 0.50% · 4.625%
HK$95,793
+HK$5,495/mo
Deposit HK$7.98M · loan HK$18.63M · min. income ≈ HK$180,596/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$1,131,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,528
−HK$5,107/mo
▼ 0.25% · 3.875%
HK$97,063
−HK$2,572/mo
Today · 4.125%
HK$99,635
baseline
▲ 0.50% · 4.625%
HK$104,887
+HK$5,252/mo
Deposit HK$7.98M · loan HK$18.63M · min. income ≈ HK$199,270/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$1,131,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,247
−HK$6,851/mo
▼ 0.25% · 3.875%
HK$112,645
−HK$3,453/mo
Today · 4.125%
HK$116,098
baseline
▲ 0.50% · 4.625%
HK$123,162
+HK$7,064/mo
Deposit HK$2.66M · loan HK$23.95M · min. income ≈ HK$232,196/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,131,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,536
−HK$6,566/mo
▼ 0.25% · 3.875%
HK$124,796
−HK$3,306/mo
Today · 4.125%
HK$128,102
baseline
▲ 0.50% · 4.625%
HK$134,855
+HK$6,753/mo
Deposit HK$2.66M · loan HK$23.95M · min. income ≈ HK$256,204/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,131,207 · Scale 2, in force from 26 Feb 2026)