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$60,224
−HK$3,777/mo
▼ 0.25% · 3.875%
HK$62,097
−HK$1,904/mo
Today · 4.125%
HK$64,001
baseline
▲ 0.50% · 4.625%
HK$67,895
+HK$3,894/mo
Deposit HK$13.21M · loan HK$13.21M · min. income ≈ HK$128,002/mo (50% DSR)
Upfront cash ≈ HK$14.33M (deposit + AVD stamp duty HK$1,122,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,999
−HK$3,619/mo
▼ 0.25% · 3.875%
HK$68,795
−HK$1,823/mo
Today · 4.125%
HK$70,618
baseline
▲ 0.50% · 4.625%
HK$74,341
+HK$3,723/mo
Deposit HK$13.21M · loan HK$13.21M · min. income ≈ HK$141,236/mo (50% DSR)
Upfront cash ≈ HK$14.33M (deposit + AVD stamp duty HK$1,122,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,269
−HK$4,532/mo
▼ 0.25% · 3.875%
HK$74,517
−HK$2,284/mo
Today · 4.125%
HK$76,801
baseline
▲ 0.50% · 4.625%
HK$81,474
+HK$4,673/mo
Deposit HK$10.56M · loan HK$15.85M · min. income ≈ HK$153,602/mo (50% DSR)
Upfront cash ≈ HK$11.69M (deposit + AVD stamp duty HK$1,122,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,398
−HK$4,344/mo
▼ 0.25% · 3.875%
HK$82,555
−HK$2,187/mo
Today · 4.125%
HK$84,742
baseline
▲ 0.50% · 4.625%
HK$89,209
+HK$4,467/mo
Deposit HK$10.56M · loan HK$15.85M · min. income ≈ HK$169,484/mo (50% DSR)
Upfront cash ≈ HK$11.69M (deposit + AVD stamp duty HK$1,122,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,314
−HK$5,287/mo
▼ 0.25% · 3.875%
HK$86,936
−HK$2,665/mo
Today · 4.125%
HK$89,601
baseline
▲ 0.50% · 4.625%
HK$95,053
+HK$5,452/mo
Deposit HK$7.92M · loan HK$18.49M · min. income ≈ HK$179,202/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$1,122,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,798
−HK$5,068/mo
▼ 0.25% · 3.875%
HK$96,314
−HK$2,552/mo
Today · 4.125%
HK$98,866
baseline
▲ 0.50% · 4.625%
HK$104,077
+HK$5,211/mo
Deposit HK$7.92M · loan HK$18.49M · min. income ≈ HK$197,732/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$1,122,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,403
−HK$6,798/mo
▼ 0.25% · 3.875%
HK$111,775
−HK$3,426/mo
Today · 4.125%
HK$115,201
baseline
▲ 0.50% · 4.625%
HK$122,211
+HK$7,010/mo
Deposit HK$2.64M · loan HK$23.77M · min. income ≈ HK$230,402/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,122,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,597
−HK$6,516/mo
▼ 0.25% · 3.875%
HK$123,832
−HK$3,281/mo
Today · 4.125%
HK$127,113
baseline
▲ 0.50% · 4.625%
HK$133,813
+HK$6,700/mo
Deposit HK$2.64M · loan HK$23.77M · min. income ≈ HK$254,226/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,122,471 · Scale 2, in force from 26 Feb 2026)