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$60,683
−HK$3,805/mo
▼ 0.25% · 3.875%
HK$62,571
−HK$1,917/mo
Today · 4.125%
HK$64,488
baseline
▲ 0.50% · 4.625%
HK$68,412
+HK$3,924/mo
Deposit HK$13.31M · loan HK$13.31M · min. income ≈ HK$128,976/mo (50% DSR)
Upfront cash ≈ HK$14.44M (deposit + AVD stamp duty HK$1,131,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,509
−HK$3,648/mo
▼ 0.25% · 3.875%
HK$69,320
−HK$1,837/mo
Today · 4.125%
HK$71,157
baseline
▲ 0.50% · 4.625%
HK$74,907
+HK$3,750/mo
Deposit HK$13.31M · loan HK$13.31M · min. income ≈ HK$142,314/mo (50% DSR)
Upfront cash ≈ HK$14.44M (deposit + AVD stamp duty HK$1,131,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,820
−HK$4,566/mo
▼ 0.25% · 3.875%
HK$75,085
−HK$2,301/mo
Today · 4.125%
HK$77,386
baseline
▲ 0.50% · 4.625%
HK$82,095
+HK$4,709/mo
Deposit HK$10.64M · loan HK$15.97M · min. income ≈ HK$154,772/mo (50% DSR)
Upfront cash ≈ HK$11.78M (deposit + AVD stamp duty HK$1,131,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,011
−HK$4,377/mo
▼ 0.25% · 3.875%
HK$83,184
−HK$2,204/mo
Today · 4.125%
HK$85,388
baseline
▲ 0.50% · 4.625%
HK$89,889
+HK$4,501/mo
Deposit HK$10.64M · loan HK$15.97M · min. income ≈ HK$170,776/mo (50% DSR)
Upfront cash ≈ HK$11.78M (deposit + AVD stamp duty HK$1,131,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,956
−HK$5,328/mo
▼ 0.25% · 3.875%
HK$87,599
−HK$2,685/mo
Today · 4.125%
HK$90,284
baseline
▲ 0.50% · 4.625%
HK$95,777
+HK$5,493/mo
Deposit HK$7.98M · loan HK$18.63M · min. income ≈ HK$180,568/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$1,131,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,513
−HK$5,106/mo
▼ 0.25% · 3.875%
HK$97,048
−HK$2,571/mo
Today · 4.125%
HK$99,619
baseline
▲ 0.50% · 4.625%
HK$104,870
+HK$5,251/mo
Deposit HK$7.98M · loan HK$18.63M · min. income ≈ HK$199,238/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$1,131,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,229
−HK$6,850/mo
▼ 0.25% · 3.875%
HK$112,627
−HK$3,452/mo
Today · 4.125%
HK$116,079
baseline
▲ 0.50% · 4.625%
HK$123,142
+HK$7,063/mo
Deposit HK$2.66M · loan HK$23.95M · min. income ≈ HK$232,158/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,131,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,517
−HK$6,565/mo
▼ 0.25% · 3.875%
HK$124,776
−HK$3,306/mo
Today · 4.125%
HK$128,082
baseline
▲ 0.50% · 4.625%
HK$134,833
+HK$6,751/mo
Deposit HK$2.66M · loan HK$23.95M · min. income ≈ HK$256,164/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,131,027 · Scale 2, in force from 26 Feb 2026)