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$60,029
−HK$3,765/mo
▼ 0.25% · 3.875%
HK$61,897
−HK$1,897/mo
Today · 4.125%
HK$63,794
baseline
▲ 0.50% · 4.625%
HK$67,675
+HK$3,881/mo
Deposit HK$13.16M · loan HK$13.16M · min. income ≈ HK$127,588/mo (50% DSR)
Upfront cash ≈ HK$14.28M (deposit + AVD stamp duty HK$1,118,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,782
−HK$3,608/mo
▼ 0.25% · 3.875%
HK$68,573
−HK$1,817/mo
Today · 4.125%
HK$70,390
baseline
▲ 0.50% · 4.625%
HK$74,100
+HK$3,710/mo
Deposit HK$13.16M · loan HK$13.16M · min. income ≈ HK$140,780/mo (50% DSR)
Upfront cash ≈ HK$14.28M (deposit + AVD stamp duty HK$1,118,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,035
−HK$4,517/mo
▼ 0.25% · 3.875%
HK$74,276
−HK$2,276/mo
Today · 4.125%
HK$76,552
baseline
▲ 0.50% · 4.625%
HK$81,211
+HK$4,659/mo
Deposit HK$10.53M · loan HK$15.80M · min. income ≈ HK$153,104/mo (50% DSR)
Upfront cash ≈ HK$11.65M (deposit + AVD stamp duty HK$1,118,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,138
−HK$4,330/mo
▼ 0.25% · 3.875%
HK$82,288
−HK$2,180/mo
Today · 4.125%
HK$84,468
baseline
▲ 0.50% · 4.625%
HK$88,921
+HK$4,453/mo
Deposit HK$10.53M · loan HK$15.80M · min. income ≈ HK$168,936/mo (50% DSR)
Upfront cash ≈ HK$11.65M (deposit + AVD stamp duty HK$1,118,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,041
−HK$5,270/mo
▼ 0.25% · 3.875%
HK$86,655
−HK$2,656/mo
Today · 4.125%
HK$89,311
baseline
▲ 0.50% · 4.625%
HK$94,746
+HK$5,435/mo
Deposit HK$7.90M · loan HK$18.43M · min. income ≈ HK$178,622/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$1,118,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,495
−HK$5,051/mo
▼ 0.25% · 3.875%
HK$96,002
−HK$2,544/mo
Today · 4.125%
HK$98,546
baseline
▲ 0.50% · 4.625%
HK$103,741
+HK$5,195/mo
Deposit HK$7.90M · loan HK$18.43M · min. income ≈ HK$197,092/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$1,118,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,053
−HK$6,776/mo
▼ 0.25% · 3.875%
HK$111,414
−HK$3,415/mo
Today · 4.125%
HK$114,829
baseline
▲ 0.50% · 4.625%
HK$121,816
+HK$6,987/mo
Deposit HK$2.63M · loan HK$23.69M · min. income ≈ HK$229,658/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,118,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,208
−HK$6,494/mo
▼ 0.25% · 3.875%
HK$123,432
−HK$3,270/mo
Today · 4.125%
HK$126,702
baseline
▲ 0.50% · 4.625%
HK$133,381
+HK$6,679/mo
Deposit HK$2.63M · loan HK$23.69M · min. income ≈ HK$253,404/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,118,843 · Scale 2, in force from 26 Feb 2026)