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$59,475
−HK$3,730/mo
▼ 0.25% · 3.875%
HK$61,325
−HK$1,880/mo
Today · 4.125%
HK$63,205
baseline
▲ 0.50% · 4.625%
HK$67,051
+HK$3,846/mo
Deposit HK$13.04M · loan HK$13.04M · min. income ≈ HK$126,410/mo (50% DSR)
Upfront cash ≈ HK$14.15M (deposit + AVD stamp duty HK$1,108,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,166
−HK$3,574/mo
▼ 0.25% · 3.875%
HK$67,940
−HK$1,800/mo
Today · 4.125%
HK$69,740
baseline
▲ 0.50% · 4.625%
HK$73,417
+HK$3,677/mo
Deposit HK$13.04M · loan HK$13.04M · min. income ≈ HK$139,480/mo (50% DSR)
Upfront cash ≈ HK$14.15M (deposit + AVD stamp duty HK$1,108,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,370
−HK$4,476/mo
▼ 0.25% · 3.875%
HK$73,590
−HK$2,256/mo
Today · 4.125%
HK$75,846
baseline
▲ 0.50% · 4.625%
HK$80,461
+HK$4,615/mo
Deposit HK$10.43M · loan HK$15.65M · min. income ≈ HK$151,692/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$1,108,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,399
−HK$4,290/mo
▼ 0.25% · 3.875%
HK$81,528
−HK$2,161/mo
Today · 4.125%
HK$83,689
baseline
▲ 0.50% · 4.625%
HK$88,100
+HK$4,411/mo
Deposit HK$10.43M · loan HK$15.65M · min. income ≈ HK$167,378/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$1,108,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,265
−HK$5,222/mo
▼ 0.25% · 3.875%
HK$85,856
−HK$2,631/mo
Today · 4.125%
HK$88,487
baseline
▲ 0.50% · 4.625%
HK$93,871
+HK$5,384/mo
Deposit HK$7.82M · loan HK$18.26M · min. income ≈ HK$176,974/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$1,108,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,632
−HK$5,005/mo
▼ 0.25% · 3.875%
HK$95,116
−HK$2,521/mo
Today · 4.125%
HK$97,637
baseline
▲ 0.50% · 4.625%
HK$102,783
+HK$5,146/mo
Deposit HK$7.82M · loan HK$18.26M · min. income ≈ HK$195,274/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$1,108,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,056
−HK$6,713/mo
▼ 0.25% · 3.875%
HK$110,386
−HK$3,383/mo
Today · 4.125%
HK$113,769
baseline
▲ 0.50% · 4.625%
HK$120,692
+HK$6,923/mo
Deposit HK$2.61M · loan HK$23.47M · min. income ≈ HK$227,538/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,108,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,098
−HK$6,435/mo
▼ 0.25% · 3.875%
HK$122,292
−HK$3,241/mo
Today · 4.125%
HK$125,533
baseline
▲ 0.50% · 4.625%
HK$132,150
+HK$6,617/mo
Deposit HK$2.61M · loan HK$23.47M · min. income ≈ HK$251,066/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,108,517 · Scale 2, in force from 26 Feb 2026)