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$58,473
−HK$3,667/mo
▼ 0.25% · 3.875%
HK$60,292
−HK$1,848/mo
Today · 4.125%
HK$62,140
baseline
▲ 0.50% · 4.625%
HK$65,921
+HK$3,781/mo
Deposit HK$12.82M · loan HK$12.82M · min. income ≈ HK$124,280/mo (50% DSR)
Upfront cash ≈ HK$13.91M (deposit + AVD stamp duty HK$1,089,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,051
−HK$3,515/mo
▼ 0.25% · 3.875%
HK$66,796
−HK$1,770/mo
Today · 4.125%
HK$68,566
baseline
▲ 0.50% · 4.625%
HK$72,180
+HK$3,614/mo
Deposit HK$12.82M · loan HK$12.82M · min. income ≈ HK$137,132/mo (50% DSR)
Upfront cash ≈ HK$13.91M (deposit + AVD stamp duty HK$1,089,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,168
−HK$4,400/mo
▼ 0.25% · 3.875%
HK$72,351
−HK$2,217/mo
Today · 4.125%
HK$74,568
baseline
▲ 0.50% · 4.625%
HK$79,106
+HK$4,538/mo
Deposit HK$10.26M · loan HK$15.39M · min. income ≈ HK$149,136/mo (50% DSR)
Upfront cash ≈ HK$11.35M (deposit + AVD stamp duty HK$1,089,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,061
−HK$4,218/mo
▼ 0.25% · 3.875%
HK$80,155
−HK$2,124/mo
Today · 4.125%
HK$82,279
baseline
▲ 0.50% · 4.625%
HK$86,616
+HK$4,337/mo
Deposit HK$10.26M · loan HK$15.39M · min. income ≈ HK$164,558/mo (50% DSR)
Upfront cash ≈ HK$11.35M (deposit + AVD stamp duty HK$1,089,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,863
−HK$5,133/mo
▼ 0.25% · 3.875%
HK$84,409
−HK$2,587/mo
Today · 4.125%
HK$86,996
baseline
▲ 0.50% · 4.625%
HK$92,290
+HK$5,294/mo
Deposit HK$7.69M · loan HK$17.95M · min. income ≈ HK$173,992/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$1,089,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,072
−HK$4,920/mo
▼ 0.25% · 3.875%
HK$93,514
−HK$2,478/mo
Today · 4.125%
HK$95,992
baseline
▲ 0.50% · 4.625%
HK$101,052
+HK$5,060/mo
Deposit HK$7.69M · loan HK$17.95M · min. income ≈ HK$191,984/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$1,089,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,252
−HK$6,600/mo
▼ 0.25% · 3.875%
HK$108,526
−HK$3,326/mo
Today · 4.125%
HK$111,852
baseline
▲ 0.50% · 4.625%
HK$118,658
+HK$6,806/mo
Deposit HK$2.56M · loan HK$23.08M · min. income ≈ HK$223,704/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,089,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,092
−HK$6,326/mo
▼ 0.25% · 3.875%
HK$120,232
−HK$3,186/mo
Today · 4.125%
HK$123,418
baseline
▲ 0.50% · 4.625%
HK$129,924
+HK$6,506/mo
Deposit HK$2.56M · loan HK$23.08M · min. income ≈ HK$246,836/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,089,844 · Scale 2, in force from 26 Feb 2026)