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$60,052
−HK$3,766/mo
▼ 0.25% · 3.875%
HK$61,920
−HK$1,898/mo
Today · 4.125%
HK$63,818
baseline
▲ 0.50% · 4.625%
HK$67,701
+HK$3,883/mo
Deposit HK$13.17M · loan HK$13.17M · min. income ≈ HK$127,636/mo (50% DSR)
Upfront cash ≈ HK$14.29M (deposit + AVD stamp duty HK$1,119,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,807
−HK$3,609/mo
▼ 0.25% · 3.875%
HK$68,599
−HK$1,817/mo
Today · 4.125%
HK$70,416
baseline
▲ 0.50% · 4.625%
HK$74,128
+HK$3,712/mo
Deposit HK$13.17M · loan HK$13.17M · min. income ≈ HK$140,832/mo (50% DSR)
Upfront cash ≈ HK$14.29M (deposit + AVD stamp duty HK$1,119,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,062
−HK$4,519/mo
▼ 0.25% · 3.875%
HK$74,304
−HK$2,277/mo
Today · 4.125%
HK$76,581
baseline
▲ 0.50% · 4.625%
HK$81,241
+HK$4,660/mo
Deposit HK$10.53M · loan HK$15.80M · min. income ≈ HK$153,162/mo (50% DSR)
Upfront cash ≈ HK$11.65M (deposit + AVD stamp duty HK$1,119,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,169
−HK$4,331/mo
▼ 0.25% · 3.875%
HK$82,319
−HK$2,181/mo
Today · 4.125%
HK$84,500
baseline
▲ 0.50% · 4.625%
HK$88,954
+HK$4,454/mo
Deposit HK$10.53M · loan HK$15.80M · min. income ≈ HK$169,000/mo (50% DSR)
Upfront cash ≈ HK$11.65M (deposit + AVD stamp duty HK$1,119,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,073
−HK$5,272/mo
▼ 0.25% · 3.875%
HK$86,688
−HK$2,657/mo
Today · 4.125%
HK$89,345
baseline
▲ 0.50% · 4.625%
HK$94,781
+HK$5,436/mo
Deposit HK$7.90M · loan HK$18.43M · min. income ≈ HK$178,690/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$1,119,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,530
−HK$5,053/mo
▼ 0.25% · 3.875%
HK$96,038
−HK$2,545/mo
Today · 4.125%
HK$98,583
baseline
▲ 0.50% · 4.625%
HK$103,780
+HK$5,197/mo
Deposit HK$7.90M · loan HK$18.43M · min. income ≈ HK$197,166/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$1,119,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,093
−HK$6,779/mo
▼ 0.25% · 3.875%
HK$111,456
−HK$3,416/mo
Today · 4.125%
HK$114,872
baseline
▲ 0.50% · 4.625%
HK$121,861
+HK$6,989/mo
Deposit HK$2.63M · loan HK$23.70M · min. income ≈ HK$229,744/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,119,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,253
−HK$6,497/mo
▼ 0.25% · 3.875%
HK$123,478
−HK$3,272/mo
Today · 4.125%
HK$126,750
baseline
▲ 0.50% · 4.625%
HK$133,431
+HK$6,681/mo
Deposit HK$2.63M · loan HK$23.70M · min. income ≈ HK$253,500/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,119,262 · Scale 2, in force from 26 Feb 2026)