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$58,340
−HK$3,658/mo
▼ 0.25% · 3.875%
HK$60,154
−HK$1,844/mo
Today · 4.125%
HK$61,998
baseline
▲ 0.50% · 4.625%
HK$65,770
+HK$3,772/mo
Deposit HK$12.79M · loan HK$12.79M · min. income ≈ HK$123,996/mo (50% DSR)
Upfront cash ≈ HK$13.88M (deposit + AVD stamp duty HK$1,087,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,902
−HK$3,507/mo
▼ 0.25% · 3.875%
HK$66,643
−HK$1,766/mo
Today · 4.125%
HK$68,409
baseline
▲ 0.50% · 4.625%
HK$72,015
+HK$3,606/mo
Deposit HK$12.79M · loan HK$12.79M · min. income ≈ HK$136,818/mo (50% DSR)
Upfront cash ≈ HK$13.88M (deposit + AVD stamp duty HK$1,087,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,007
−HK$4,391/mo
▼ 0.25% · 3.875%
HK$72,185
−HK$2,213/mo
Today · 4.125%
HK$74,398
baseline
▲ 0.50% · 4.625%
HK$78,924
+HK$4,526/mo
Deposit HK$10.23M · loan HK$15.35M · min. income ≈ HK$148,796/mo (50% DSR)
Upfront cash ≈ HK$11.32M (deposit + AVD stamp duty HK$1,087,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,883
−HK$4,207/mo
▼ 0.25% · 3.875%
HK$79,971
−HK$2,119/mo
Today · 4.125%
HK$82,090
baseline
▲ 0.50% · 4.625%
HK$86,417
+HK$4,327/mo
Deposit HK$10.23M · loan HK$15.35M · min. income ≈ HK$164,180/mo (50% DSR)
Upfront cash ≈ HK$11.32M (deposit + AVD stamp duty HK$1,087,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,675
−HK$5,122/mo
▼ 0.25% · 3.875%
HK$84,216
−HK$2,581/mo
Today · 4.125%
HK$86,797
baseline
▲ 0.50% · 4.625%
HK$92,079
+HK$5,282/mo
Deposit HK$7.68M · loan HK$17.91M · min. income ≈ HK$173,594/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$1,087,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,863
−HK$4,909/mo
▼ 0.25% · 3.875%
HK$93,300
−HK$2,472/mo
Today · 4.125%
HK$95,772
baseline
▲ 0.50% · 4.625%
HK$100,820
+HK$5,048/mo
Deposit HK$7.68M · loan HK$17.91M · min. income ≈ HK$191,544/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$1,087,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,011
−HK$6,585/mo
▼ 0.25% · 3.875%
HK$108,278
−HK$3,318/mo
Today · 4.125%
HK$111,596
baseline
▲ 0.50% · 4.625%
HK$118,387
+HK$6,791/mo
Deposit HK$2.56M · loan HK$23.03M · min. income ≈ HK$223,192/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,087,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,824
−HK$6,312/mo
▼ 0.25% · 3.875%
HK$119,957
−HK$3,179/mo
Today · 4.125%
HK$123,136
baseline
▲ 0.50% · 4.625%
HK$129,626
+HK$6,490/mo
Deposit HK$2.56M · loan HK$23.03M · min. income ≈ HK$246,272/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,087,348 · Scale 2, in force from 26 Feb 2026)