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$60,275
−HK$3,780/mo
▼ 0.25% · 3.875%
HK$62,150
−HK$1,905/mo
Today · 4.125%
HK$64,055
baseline
▲ 0.50% · 4.625%
HK$67,952
+HK$3,897/mo
Deposit HK$13.22M · loan HK$13.22M · min. income ≈ HK$128,110/mo (50% DSR)
Upfront cash ≈ HK$14.34M (deposit + AVD stamp duty HK$1,123,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,055
−HK$3,623/mo
▼ 0.25% · 3.875%
HK$68,854
−HK$1,824/mo
Today · 4.125%
HK$70,678
baseline
▲ 0.50% · 4.625%
HK$74,404
+HK$3,726/mo
Deposit HK$13.22M · loan HK$13.22M · min. income ≈ HK$141,356/mo (50% DSR)
Upfront cash ≈ HK$14.34M (deposit + AVD stamp duty HK$1,123,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,330
−HK$4,536/mo
▼ 0.25% · 3.875%
HK$74,580
−HK$2,286/mo
Today · 4.125%
HK$76,866
baseline
▲ 0.50% · 4.625%
HK$81,543
+HK$4,677/mo
Deposit HK$10.57M · loan HK$15.86M · min. income ≈ HK$153,732/mo (50% DSR)
Upfront cash ≈ HK$11.70M (deposit + AVD stamp duty HK$1,123,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,466
−HK$4,348/mo
▼ 0.25% · 3.875%
HK$82,624
−HK$2,190/mo
Today · 4.125%
HK$84,814
baseline
▲ 0.50% · 4.625%
HK$89,284
+HK$4,470/mo
Deposit HK$10.57M · loan HK$15.86M · min. income ≈ HK$169,628/mo (50% DSR)
Upfront cash ≈ HK$11.70M (deposit + AVD stamp duty HK$1,123,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,385
−HK$5,292/mo
▼ 0.25% · 3.875%
HK$87,010
−HK$2,667/mo
Today · 4.125%
HK$89,677
baseline
▲ 0.50% · 4.625%
HK$95,133
+HK$5,456/mo
Deposit HK$7.93M · loan HK$18.50M · min. income ≈ HK$179,354/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$1,123,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,877
−HK$5,072/mo
▼ 0.25% · 3.875%
HK$96,395
−HK$2,554/mo
Today · 4.125%
HK$98,949
baseline
▲ 0.50% · 4.625%
HK$104,165
+HK$5,216/mo
Deposit HK$7.93M · loan HK$18.50M · min. income ≈ HK$197,898/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$1,123,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,495
−HK$6,803/mo
▼ 0.25% · 3.875%
HK$111,870
−HK$3,428/mo
Today · 4.125%
HK$115,298
baseline
▲ 0.50% · 4.625%
HK$122,314
+HK$7,016/mo
Deposit HK$2.64M · loan HK$23.79M · min. income ≈ HK$230,596/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,123,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,699
−HK$6,522/mo
▼ 0.25% · 3.875%
HK$123,937
−HK$3,284/mo
Today · 4.125%
HK$127,221
baseline
▲ 0.50% · 4.625%
HK$133,926
+HK$6,705/mo
Deposit HK$2.64M · loan HK$23.79M · min. income ≈ HK$254,442/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,123,420 · Scale 2, in force from 26 Feb 2026)