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$58,398
−HK$3,662/mo
▼ 0.25% · 3.875%
HK$60,214
−HK$1,846/mo
Today · 4.125%
HK$62,060
baseline
▲ 0.50% · 4.625%
HK$65,836
+HK$3,776/mo
Deposit HK$12.81M · loan HK$12.81M · min. income ≈ HK$124,120/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,088,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,967
−HK$3,510/mo
▼ 0.25% · 3.875%
HK$66,709
−HK$1,768/mo
Today · 4.125%
HK$68,477
baseline
▲ 0.50% · 4.625%
HK$72,087
+HK$3,610/mo
Deposit HK$12.81M · loan HK$12.81M · min. income ≈ HK$136,954/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,088,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,077
−HK$4,395/mo
▼ 0.25% · 3.875%
HK$72,257
−HK$2,215/mo
Today · 4.125%
HK$74,472
baseline
▲ 0.50% · 4.625%
HK$79,003
+HK$4,531/mo
Deposit HK$10.24M · loan HK$15.37M · min. income ≈ HK$148,944/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$1,088,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,960
−HK$4,212/mo
▼ 0.25% · 3.875%
HK$80,051
−HK$2,121/mo
Today · 4.125%
HK$82,172
baseline
▲ 0.50% · 4.625%
HK$86,504
+HK$4,332/mo
Deposit HK$10.24M · loan HK$15.37M · min. income ≈ HK$164,344/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$1,088,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,757
−HK$5,127/mo
▼ 0.25% · 3.875%
HK$84,300
−HK$2,584/mo
Today · 4.125%
HK$86,884
baseline
▲ 0.50% · 4.625%
HK$92,171
+HK$5,287/mo
Deposit HK$7.68M · loan HK$17.93M · min. income ≈ HK$173,768/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$1,088,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,954
−HK$4,914/mo
▼ 0.25% · 3.875%
HK$93,393
−HK$2,475/mo
Today · 4.125%
HK$95,868
baseline
▲ 0.50% · 4.625%
HK$100,921
+HK$5,053/mo
Deposit HK$7.68M · loan HK$17.93M · min. income ≈ HK$191,736/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$1,088,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,116
−HK$6,592/mo
▼ 0.25% · 3.875%
HK$108,386
−HK$3,322/mo
Today · 4.125%
HK$111,708
baseline
▲ 0.50% · 4.625%
HK$118,505
+HK$6,797/mo
Deposit HK$2.56M · loan HK$23.05M · min. income ≈ HK$223,416/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,088,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,941
−HK$6,318/mo
▼ 0.25% · 3.875%
HK$120,077
−HK$3,182/mo
Today · 4.125%
HK$123,259
baseline
▲ 0.50% · 4.625%
HK$129,756
+HK$6,497/mo
Deposit HK$2.56M · loan HK$23.05M · min. income ≈ HK$246,518/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,088,435 · Scale 2, in force from 26 Feb 2026)