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$60,579
−HK$3,799/mo
▼ 0.25% · 3.875%
HK$62,463
−HK$1,915/mo
Today · 4.125%
HK$64,378
baseline
▲ 0.50% · 4.625%
HK$68,295
+HK$3,917/mo
Deposit HK$13.28M · loan HK$13.28M · min. income ≈ HK$128,756/mo (50% DSR)
Upfront cash ≈ HK$14.41M (deposit + AVD stamp duty HK$1,129,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,394
−HK$3,641/mo
▼ 0.25% · 3.875%
HK$69,201
−HK$1,834/mo
Today · 4.125%
HK$71,035
baseline
▲ 0.50% · 4.625%
HK$74,779
+HK$3,744/mo
Deposit HK$13.28M · loan HK$13.28M · min. income ≈ HK$142,070/mo (50% DSR)
Upfront cash ≈ HK$14.41M (deposit + AVD stamp duty HK$1,129,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,695
−HK$4,559/mo
▼ 0.25% · 3.875%
HK$74,956
−HK$2,298/mo
Today · 4.125%
HK$77,254
baseline
▲ 0.50% · 4.625%
HK$81,954
+HK$4,700/mo
Deposit HK$10.63M · loan HK$15.94M · min. income ≈ HK$154,508/mo (50% DSR)
Upfront cash ≈ HK$11.76M (deposit + AVD stamp duty HK$1,129,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,872
−HK$4,370/mo
▼ 0.25% · 3.875%
HK$83,041
−HK$2,201/mo
Today · 4.125%
HK$85,242
baseline
▲ 0.50% · 4.625%
HK$89,735
+HK$4,493/mo
Deposit HK$10.63M · loan HK$15.94M · min. income ≈ HK$170,484/mo (50% DSR)
Upfront cash ≈ HK$11.76M (deposit + AVD stamp duty HK$1,129,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,811
−HK$5,318/mo
▼ 0.25% · 3.875%
HK$87,449
−HK$2,680/mo
Today · 4.125%
HK$90,129
baseline
▲ 0.50% · 4.625%
HK$95,613
+HK$5,484/mo
Deposit HK$7.97M · loan HK$18.60M · min. income ≈ HK$180,258/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$1,129,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,351
−HK$5,098/mo
▼ 0.25% · 3.875%
HK$96,882
−HK$2,567/mo
Today · 4.125%
HK$99,449
baseline
▲ 0.50% · 4.625%
HK$104,691
+HK$5,242/mo
Deposit HK$7.97M · loan HK$18.60M · min. income ≈ HK$198,898/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$1,129,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,042
−HK$6,838/mo
▼ 0.25% · 3.875%
HK$112,434
−HK$3,446/mo
Today · 4.125%
HK$115,880
baseline
▲ 0.50% · 4.625%
HK$122,931
+HK$7,051/mo
Deposit HK$2.66M · loan HK$23.91M · min. income ≈ HK$231,760/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,129,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,309
−HK$6,554/mo
▼ 0.25% · 3.875%
HK$124,562
−HK$3,301/mo
Today · 4.125%
HK$127,863
baseline
▲ 0.50% · 4.625%
HK$134,602
+HK$6,739/mo
Deposit HK$2.66M · loan HK$23.91M · min. income ≈ HK$255,726/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,129,090 · Scale 2, in force from 26 Feb 2026)