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$58,775
−HK$3,686/mo
▼ 0.25% · 3.875%
HK$60,603
−HK$1,858/mo
Today · 4.125%
HK$62,461
baseline
▲ 0.50% · 4.625%
HK$66,261
+HK$3,800/mo
Deposit HK$12.89M · loan HK$12.89M · min. income ≈ HK$124,922/mo (50% DSR)
Upfront cash ≈ HK$13.98M (deposit + AVD stamp duty HK$1,095,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,387
−HK$3,532/mo
▼ 0.25% · 3.875%
HK$67,140
−HK$1,779/mo
Today · 4.125%
HK$68,919
baseline
▲ 0.50% · 4.625%
HK$72,552
+HK$3,633/mo
Deposit HK$12.89M · loan HK$12.89M · min. income ≈ HK$137,838/mo (50% DSR)
Upfront cash ≈ HK$13.98M (deposit + AVD stamp duty HK$1,095,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,530
−HK$4,423/mo
▼ 0.25% · 3.875%
HK$72,724
−HK$2,229/mo
Today · 4.125%
HK$74,953
baseline
▲ 0.50% · 4.625%
HK$79,514
+HK$4,561/mo
Deposit HK$10.31M · loan HK$15.47M · min. income ≈ HK$149,906/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$1,095,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,464
−HK$4,239/mo
▼ 0.25% · 3.875%
HK$80,568
−HK$2,135/mo
Today · 4.125%
HK$82,703
baseline
▲ 0.50% · 4.625%
HK$87,063
+HK$4,360/mo
Deposit HK$10.31M · loan HK$15.47M · min. income ≈ HK$165,406/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$1,095,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,285
−HK$5,160/mo
▼ 0.25% · 3.875%
HK$84,845
−HK$2,600/mo
Today · 4.125%
HK$87,445
baseline
▲ 0.50% · 4.625%
HK$92,766
+HK$5,321/mo
Deposit HK$7.73M · loan HK$18.04M · min. income ≈ HK$174,890/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$1,095,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,541
−HK$4,946/mo
▼ 0.25% · 3.875%
HK$93,996
−HK$2,491/mo
Today · 4.125%
HK$96,487
baseline
▲ 0.50% · 4.625%
HK$101,573
+HK$5,086/mo
Deposit HK$7.73M · loan HK$18.04M · min. income ≈ HK$192,974/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$1,095,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,795
−HK$6,634/mo
▼ 0.25% · 3.875%
HK$109,086
−HK$3,343/mo
Today · 4.125%
HK$112,429
baseline
▲ 0.50% · 4.625%
HK$119,271
+HK$6,842/mo
Deposit HK$2.58M · loan HK$23.20M · min. income ≈ HK$224,858/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,095,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,696
−HK$6,359/mo
▼ 0.25% · 3.875%
HK$120,853
−HK$3,202/mo
Today · 4.125%
HK$124,055
baseline
▲ 0.50% · 4.625%
HK$130,594
+HK$6,539/mo
Deposit HK$2.58M · loan HK$23.20M · min. income ≈ HK$248,110/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,095,466 · Scale 2, in force from 26 Feb 2026)