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$59,020
−HK$3,701/mo
▼ 0.25% · 3.875%
HK$60,856
−HK$1,865/mo
Today · 4.125%
HK$62,721
baseline
▲ 0.50% · 4.625%
HK$66,537
+HK$3,816/mo
Deposit HK$12.94M · loan HK$12.94M · min. income ≈ HK$125,442/mo (50% DSR)
Upfront cash ≈ HK$14.04M (deposit + AVD stamp duty HK$1,100,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,659
−HK$3,547/mo
▼ 0.25% · 3.875%
HK$67,420
−HK$1,786/mo
Today · 4.125%
HK$69,206
baseline
▲ 0.50% · 4.625%
HK$72,854
+HK$3,648/mo
Deposit HK$12.94M · loan HK$12.94M · min. income ≈ HK$138,412/mo (50% DSR)
Upfront cash ≈ HK$14.04M (deposit + AVD stamp duty HK$1,100,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,824
−HK$4,441/mo
▼ 0.25% · 3.875%
HK$73,027
−HK$2,238/mo
Today · 4.125%
HK$75,265
baseline
▲ 0.50% · 4.625%
HK$79,845
+HK$4,580/mo
Deposit HK$10.35M · loan HK$15.53M · min. income ≈ HK$150,530/mo (50% DSR)
Upfront cash ≈ HK$11.45M (deposit + AVD stamp duty HK$1,100,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,791
−HK$4,257/mo
▼ 0.25% · 3.875%
HK$80,904
−HK$2,144/mo
Today · 4.125%
HK$83,048
baseline
▲ 0.50% · 4.625%
HK$87,425
+HK$4,377/mo
Deposit HK$10.35M · loan HK$15.53M · min. income ≈ HK$166,096/mo (50% DSR)
Upfront cash ≈ HK$11.45M (deposit + AVD stamp duty HK$1,100,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,628
−HK$5,181/mo
▼ 0.25% · 3.875%
HK$85,198
−HK$2,611/mo
Today · 4.125%
HK$87,809
baseline
▲ 0.50% · 4.625%
HK$93,152
+HK$5,343/mo
Deposit HK$7.76M · loan HK$18.12M · min. income ≈ HK$175,618/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$1,100,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,923
−HK$4,966/mo
▼ 0.25% · 3.875%
HK$94,388
−HK$2,501/mo
Today · 4.125%
HK$96,889
baseline
▲ 0.50% · 4.625%
HK$101,996
+HK$5,107/mo
Deposit HK$7.76M · loan HK$18.12M · min. income ≈ HK$193,778/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$1,100,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,236
−HK$6,662/mo
▼ 0.25% · 3.875%
HK$109,540
−HK$3,358/mo
Today · 4.125%
HK$112,898
baseline
▲ 0.50% · 4.625%
HK$119,767
+HK$6,869/mo
Deposit HK$2.59M · loan HK$23.29M · min. income ≈ HK$225,796/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,100,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,186
−HK$6,385/mo
▼ 0.25% · 3.875%
HK$121,356
−HK$3,215/mo
Today · 4.125%
HK$124,571
baseline
▲ 0.50% · 4.625%
HK$131,138
+HK$6,567/mo
Deposit HK$2.59M · loan HK$23.29M · min. income ≈ HK$249,142/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,100,027 · Scale 2, in force from 26 Feb 2026)