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$60,152
−HK$3,772/mo
▼ 0.25% · 3.875%
HK$62,023
−HK$1,901/mo
Today · 4.125%
HK$63,924
baseline
▲ 0.50% · 4.625%
HK$67,813
+HK$3,889/mo
Deposit HK$13.19M · loan HK$13.19M · min. income ≈ HK$127,848/mo (50% DSR)
Upfront cash ≈ HK$14.31M (deposit + AVD stamp duty HK$1,121,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,918
−HK$3,616/mo
▼ 0.25% · 3.875%
HK$68,713
−HK$1,821/mo
Today · 4.125%
HK$70,534
baseline
▲ 0.50% · 4.625%
HK$74,251
+HK$3,717/mo
Deposit HK$13.19M · loan HK$13.19M · min. income ≈ HK$141,068/mo (50% DSR)
Upfront cash ≈ HK$14.31M (deposit + AVD stamp duty HK$1,121,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,182
−HK$4,526/mo
▼ 0.25% · 3.875%
HK$74,427
−HK$2,281/mo
Today · 4.125%
HK$76,708
baseline
▲ 0.50% · 4.625%
HK$81,376
+HK$4,668/mo
Deposit HK$10.55M · loan HK$15.83M · min. income ≈ HK$153,416/mo (50% DSR)
Upfront cash ≈ HK$11.67M (deposit + AVD stamp duty HK$1,121,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,302
−HK$4,338/mo
▼ 0.25% · 3.875%
HK$82,455
−HK$2,185/mo
Today · 4.125%
HK$84,640
baseline
▲ 0.50% · 4.625%
HK$89,102
+HK$4,462/mo
Deposit HK$10.55M · loan HK$15.83M · min. income ≈ HK$169,280/mo (50% DSR)
Upfront cash ≈ HK$11.67M (deposit + AVD stamp duty HK$1,121,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,212
−HK$5,281/mo
▼ 0.25% · 3.875%
HK$86,832
−HK$2,661/mo
Today · 4.125%
HK$89,493
baseline
▲ 0.50% · 4.625%
HK$94,939
+HK$5,446/mo
Deposit HK$7.91M · loan HK$18.47M · min. income ≈ HK$178,986/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$1,121,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,685
−HK$5,062/mo
▼ 0.25% · 3.875%
HK$96,198
−HK$2,549/mo
Today · 4.125%
HK$98,747
baseline
▲ 0.50% · 4.625%
HK$103,952
+HK$5,205/mo
Deposit HK$7.91M · loan HK$18.47M · min. income ≈ HK$197,494/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$1,121,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,273
−HK$6,790/mo
▼ 0.25% · 3.875%
HK$111,641
−HK$3,422/mo
Today · 4.125%
HK$115,063
baseline
▲ 0.50% · 4.625%
HK$122,064
+HK$7,001/mo
Deposit HK$2.64M · loan HK$23.74M · min. income ≈ HK$230,126/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,121,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,453
−HK$6,507/mo
▼ 0.25% · 3.875%
HK$123,683
−HK$3,277/mo
Today · 4.125%
HK$126,960
baseline
▲ 0.50% · 4.625%
HK$133,653
+HK$6,693/mo
Deposit HK$2.64M · loan HK$23.74M · min. income ≈ HK$253,920/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,121,123 · Scale 2, in force from 26 Feb 2026)