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$60,547
−HK$3,797/mo
▼ 0.25% · 3.875%
HK$62,430
−HK$1,914/mo
Today · 4.125%
HK$64,344
baseline
▲ 0.50% · 4.625%
HK$68,259
+HK$3,915/mo
Deposit HK$13.28M · loan HK$13.28M · min. income ≈ HK$128,688/mo (50% DSR)
Upfront cash ≈ HK$14.40M (deposit + AVD stamp duty HK$1,128,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,358
−HK$3,639/mo
▼ 0.25% · 3.875%
HK$69,164
−HK$1,833/mo
Today · 4.125%
HK$70,997
baseline
▲ 0.50% · 4.625%
HK$74,739
+HK$3,742/mo
Deposit HK$13.28M · loan HK$13.28M · min. income ≈ HK$141,994/mo (50% DSR)
Upfront cash ≈ HK$14.40M (deposit + AVD stamp duty HK$1,128,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,656
−HK$4,557/mo
▼ 0.25% · 3.875%
HK$74,916
−HK$2,297/mo
Today · 4.125%
HK$77,213
baseline
▲ 0.50% · 4.625%
HK$81,911
+HK$4,698/mo
Deposit HK$10.62M · loan HK$15.93M · min. income ≈ HK$154,426/mo (50% DSR)
Upfront cash ≈ HK$11.75M (deposit + AVD stamp duty HK$1,128,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,829
−HK$4,367/mo
▼ 0.25% · 3.875%
HK$82,997
−HK$2,199/mo
Today · 4.125%
HK$85,196
baseline
▲ 0.50% · 4.625%
HK$89,687
+HK$4,491/mo
Deposit HK$10.62M · loan HK$15.93M · min. income ≈ HK$170,392/mo (50% DSR)
Upfront cash ≈ HK$11.75M (deposit + AVD stamp duty HK$1,128,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,766
−HK$5,315/mo
▼ 0.25% · 3.875%
HK$87,402
−HK$2,679/mo
Today · 4.125%
HK$90,081
baseline
▲ 0.50% · 4.625%
HK$95,563
+HK$5,482/mo
Deposit HK$7.97M · loan HK$18.59M · min. income ≈ HK$180,162/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$1,128,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,301
−HK$5,095/mo
▼ 0.25% · 3.875%
HK$96,830
−HK$2,566/mo
Today · 4.125%
HK$99,396
baseline
▲ 0.50% · 4.625%
HK$104,635
+HK$5,239/mo
Deposit HK$7.97M · loan HK$18.59M · min. income ≈ HK$198,792/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$1,128,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,985
−HK$6,834/mo
▼ 0.25% · 3.875%
HK$112,375
−HK$3,444/mo
Today · 4.125%
HK$115,819
baseline
▲ 0.50% · 4.625%
HK$122,866
+HK$7,047/mo
Deposit HK$2.66M · loan HK$23.90M · min. income ≈ HK$231,638/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,128,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,244
−HK$6,551/mo
▼ 0.25% · 3.875%
HK$124,496
−HK$3,299/mo
Today · 4.125%
HK$127,795
baseline
▲ 0.50% · 4.625%
HK$134,531
+HK$6,736/mo
Deposit HK$2.66M · loan HK$23.90M · min. income ≈ HK$255,590/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,128,490 · Scale 2, in force from 26 Feb 2026)