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$60,559
−HK$3,798/mo
▼ 0.25% · 3.875%
HK$62,443
−HK$1,914/mo
Today · 4.125%
HK$64,357
baseline
▲ 0.50% · 4.625%
HK$68,273
+HK$3,916/mo
Deposit HK$13.28M · loan HK$13.28M · min. income ≈ HK$128,714/mo (50% DSR)
Upfront cash ≈ HK$14.41M (deposit + AVD stamp duty HK$1,128,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,372
−HK$3,640/mo
▼ 0.25% · 3.875%
HK$69,179
−HK$1,833/mo
Today · 4.125%
HK$71,012
baseline
▲ 0.50% · 4.625%
HK$74,755
+HK$3,743/mo
Deposit HK$13.28M · loan HK$13.28M · min. income ≈ HK$142,024/mo (50% DSR)
Upfront cash ≈ HK$14.41M (deposit + AVD stamp duty HK$1,128,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,671
−HK$4,557/mo
▼ 0.25% · 3.875%
HK$74,932
−HK$2,296/mo
Today · 4.125%
HK$77,228
baseline
▲ 0.50% · 4.625%
HK$81,928
+HK$4,700/mo
Deposit HK$10.62M · loan HK$15.93M · min. income ≈ HK$154,456/mo (50% DSR)
Upfront cash ≈ HK$11.75M (deposit + AVD stamp duty HK$1,128,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,846
−HK$4,368/mo
▼ 0.25% · 3.875%
HK$83,014
−HK$2,200/mo
Today · 4.125%
HK$85,214
baseline
▲ 0.50% · 4.625%
HK$89,706
+HK$4,492/mo
Deposit HK$10.62M · loan HK$15.93M · min. income ≈ HK$170,428/mo (50% DSR)
Upfront cash ≈ HK$11.75M (deposit + AVD stamp duty HK$1,128,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,783
−HK$5,317/mo
▼ 0.25% · 3.875%
HK$87,420
−HK$2,680/mo
Today · 4.125%
HK$90,100
baseline
▲ 0.50% · 4.625%
HK$95,582
+HK$5,482/mo
Deposit HK$7.97M · loan HK$18.59M · min. income ≈ HK$180,200/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$1,128,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,320
−HK$5,096/mo
▼ 0.25% · 3.875%
HK$96,850
−HK$2,566/mo
Today · 4.125%
HK$99,416
baseline
▲ 0.50% · 4.625%
HK$104,657
+HK$5,241/mo
Deposit HK$7.97M · loan HK$18.59M · min. income ≈ HK$198,832/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$1,128,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,007
−HK$6,836/mo
▼ 0.25% · 3.875%
HK$112,398
−HK$3,445/mo
Today · 4.125%
HK$115,843
baseline
▲ 0.50% · 4.625%
HK$122,891
+HK$7,048/mo
Deposit HK$2.66M · loan HK$23.90M · min. income ≈ HK$231,686/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,128,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,269
−HK$6,552/mo
▼ 0.25% · 3.875%
HK$124,521
−HK$3,300/mo
Today · 4.125%
HK$127,821
baseline
▲ 0.50% · 4.625%
HK$134,558
+HK$6,737/mo
Deposit HK$2.66M · loan HK$23.90M · min. income ≈ HK$255,642/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,128,722 · Scale 2, in force from 26 Feb 2026)