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$59,853
−HK$3,753/mo
▼ 0.25% · 3.875%
HK$61,715
−HK$1,891/mo
Today · 4.125%
HK$63,606
baseline
▲ 0.50% · 4.625%
HK$67,477
+HK$3,871/mo
Deposit HK$13.12M · loan HK$13.12M · min. income ≈ HK$127,212/mo (50% DSR)
Upfront cash ≈ HK$14.24M (deposit + AVD stamp duty HK$1,115,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,586
−HK$3,597/mo
▼ 0.25% · 3.875%
HK$68,372
−HK$1,811/mo
Today · 4.125%
HK$70,183
baseline
▲ 0.50% · 4.625%
HK$73,883
+HK$3,700/mo
Deposit HK$13.12M · loan HK$13.12M · min. income ≈ HK$140,366/mo (50% DSR)
Upfront cash ≈ HK$14.24M (deposit + AVD stamp duty HK$1,115,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,824
−HK$4,504/mo
▼ 0.25% · 3.875%
HK$74,058
−HK$2,270/mo
Today · 4.125%
HK$76,328
baseline
▲ 0.50% · 4.625%
HK$80,972
+HK$4,644/mo
Deposit HK$10.50M · loan HK$15.75M · min. income ≈ HK$152,656/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$1,115,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,903
−HK$4,317/mo
▼ 0.25% · 3.875%
HK$82,046
−HK$2,174/mo
Today · 4.125%
HK$84,220
baseline
▲ 0.50% · 4.625%
HK$88,659
+HK$4,439/mo
Deposit HK$10.50M · loan HK$15.75M · min. income ≈ HK$168,440/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$1,115,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,794
−HK$5,255/mo
▼ 0.25% · 3.875%
HK$86,401
−HK$2,648/mo
Today · 4.125%
HK$89,049
baseline
▲ 0.50% · 4.625%
HK$94,467
+HK$5,418/mo
Deposit HK$7.87M · loan HK$18.37M · min. income ≈ HK$178,098/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$1,115,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,220
−HK$5,037/mo
▼ 0.25% · 3.875%
HK$95,721
−HK$2,536/mo
Today · 4.125%
HK$98,257
baseline
▲ 0.50% · 4.625%
HK$103,436
+HK$5,179/mo
Deposit HK$7.87M · loan HK$18.37M · min. income ≈ HK$196,514/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$1,115,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,736
−HK$6,756/mo
▼ 0.25% · 3.875%
HK$111,087
−HK$3,405/mo
Today · 4.125%
HK$114,492
baseline
▲ 0.50% · 4.625%
HK$121,458
+HK$6,966/mo
Deposit HK$2.62M · loan HK$23.62M · min. income ≈ HK$228,984/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,115,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,855
−HK$6,475/mo
▼ 0.25% · 3.875%
HK$123,069
−HK$3,261/mo
Today · 4.125%
HK$126,330
baseline
▲ 0.50% · 4.625%
HK$132,989
+HK$6,659/mo
Deposit HK$2.62M · loan HK$23.62M · min. income ≈ HK$252,660/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,115,558 · Scale 2, in force from 26 Feb 2026)