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$58,622
−HK$3,676/mo
▼ 0.25% · 3.875%
HK$60,445
−HK$1,853/mo
Today · 4.125%
HK$62,298
baseline
▲ 0.50% · 4.625%
HK$66,089
+HK$3,791/mo
Deposit HK$12.85M · loan HK$12.85M · min. income ≈ HK$124,596/mo (50% DSR)
Upfront cash ≈ HK$13.95M (deposit + AVD stamp duty HK$1,092,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,216
−HK$3,524/mo
▼ 0.25% · 3.875%
HK$66,965
−HK$1,775/mo
Today · 4.125%
HK$68,740
baseline
▲ 0.50% · 4.625%
HK$72,363
+HK$3,623/mo
Deposit HK$12.85M · loan HK$12.85M · min. income ≈ HK$137,480/mo (50% DSR)
Upfront cash ≈ HK$13.95M (deposit + AVD stamp duty HK$1,092,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,346
−HK$4,412/mo
▼ 0.25% · 3.875%
HK$72,534
−HK$2,224/mo
Today · 4.125%
HK$74,758
baseline
▲ 0.50% · 4.625%
HK$79,306
+HK$4,548/mo
Deposit HK$10.28M · loan HK$15.43M · min. income ≈ HK$149,516/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$1,092,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,260
−HK$4,228/mo
▼ 0.25% · 3.875%
HK$80,358
−HK$2,130/mo
Today · 4.125%
HK$82,488
baseline
▲ 0.50% · 4.625%
HK$86,836
+HK$4,348/mo
Deposit HK$10.28M · loan HK$15.43M · min. income ≈ HK$164,976/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$1,092,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,071
−HK$5,146/mo
▼ 0.25% · 3.875%
HK$84,624
−HK$2,593/mo
Today · 4.125%
HK$87,217
baseline
▲ 0.50% · 4.625%
HK$92,524
+HK$5,307/mo
Deposit HK$7.71M · loan HK$18.00M · min. income ≈ HK$174,434/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$1,092,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,303
−HK$4,933/mo
▼ 0.25% · 3.875%
HK$93,751
−HK$2,485/mo
Today · 4.125%
HK$96,236
baseline
▲ 0.50% · 4.625%
HK$101,308
+HK$5,072/mo
Deposit HK$7.71M · loan HK$18.00M · min. income ≈ HK$192,472/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$1,092,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,519
−HK$6,617/mo
▼ 0.25% · 3.875%
HK$108,802
−HK$3,334/mo
Today · 4.125%
HK$112,136
baseline
▲ 0.50% · 4.625%
HK$118,960
+HK$6,824/mo
Deposit HK$2.57M · loan HK$23.14M · min. income ≈ HK$224,272/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,092,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,389
−HK$6,342/mo
▼ 0.25% · 3.875%
HK$120,538
−HK$3,193/mo
Today · 4.125%
HK$123,731
baseline
▲ 0.50% · 4.625%
HK$130,254
+HK$6,523/mo
Deposit HK$2.57M · loan HK$23.14M · min. income ≈ HK$247,462/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,092,610 · Scale 2, in force from 26 Feb 2026)