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$58,966
−HK$3,698/mo
▼ 0.25% · 3.875%
HK$60,801
−HK$1,863/mo
Today · 4.125%
HK$62,664
baseline
▲ 0.50% · 4.625%
HK$66,477
+HK$3,813/mo
Deposit HK$12.93M · loan HK$12.93M · min. income ≈ HK$125,328/mo (50% DSR)
Upfront cash ≈ HK$14.03M (deposit + AVD stamp duty HK$1,099,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,600
−HK$3,544/mo
▼ 0.25% · 3.875%
HK$67,359
−HK$1,785/mo
Today · 4.125%
HK$69,144
baseline
▲ 0.50% · 4.625%
HK$72,788
+HK$3,644/mo
Deposit HK$12.93M · loan HK$12.93M · min. income ≈ HK$138,288/mo (50% DSR)
Upfront cash ≈ HK$14.03M (deposit + AVD stamp duty HK$1,099,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,760
−HK$4,437/mo
▼ 0.25% · 3.875%
HK$72,961
−HK$2,236/mo
Today · 4.125%
HK$75,197
baseline
▲ 0.50% · 4.625%
HK$79,773
+HK$4,576/mo
Deposit HK$10.34M · loan HK$15.52M · min. income ≈ HK$150,394/mo (50% DSR)
Upfront cash ≈ HK$11.44M (deposit + AVD stamp duty HK$1,099,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,719
−HK$4,253/mo
▼ 0.25% · 3.875%
HK$80,831
−HK$2,141/mo
Today · 4.125%
HK$82,972
baseline
▲ 0.50% · 4.625%
HK$87,346
+HK$4,374/mo
Deposit HK$10.34M · loan HK$15.52M · min. income ≈ HK$165,944/mo (50% DSR)
Upfront cash ≈ HK$11.44M (deposit + AVD stamp duty HK$1,099,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,553
−HK$5,177/mo
▼ 0.25% · 3.875%
HK$85,121
−HK$2,609/mo
Today · 4.125%
HK$87,730
baseline
▲ 0.50% · 4.625%
HK$93,068
+HK$5,338/mo
Deposit HK$7.76M · loan HK$18.10M · min. income ≈ HK$175,460/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$1,099,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,839
−HK$4,962/mo
▼ 0.25% · 3.875%
HK$94,302
−HK$2,499/mo
Today · 4.125%
HK$96,801
baseline
▲ 0.50% · 4.625%
HK$101,904
+HK$5,103/mo
Deposit HK$7.76M · loan HK$18.10M · min. income ≈ HK$193,602/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$1,099,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,140
−HK$6,655/mo
▼ 0.25% · 3.875%
HK$109,441
−HK$3,354/mo
Today · 4.125%
HK$112,795
baseline
▲ 0.50% · 4.625%
HK$119,659
+HK$6,864/mo
Deposit HK$2.59M · loan HK$23.27M · min. income ≈ HK$225,590/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,099,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,079
−HK$6,380/mo
▼ 0.25% · 3.875%
HK$121,246
−HK$3,213/mo
Today · 4.125%
HK$124,459
baseline
▲ 0.50% · 4.625%
HK$131,019
+HK$6,560/mo
Deposit HK$2.59M · loan HK$23.27M · min. income ≈ HK$248,918/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,099,031 · Scale 2, in force from 26 Feb 2026)