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$59,173
−HK$3,711/mo
▼ 0.25% · 3.875%
HK$61,014
−HK$1,870/mo
Today · 4.125%
HK$62,884
baseline
▲ 0.50% · 4.625%
HK$66,710
+HK$3,826/mo
Deposit HK$12.98M · loan HK$12.98M · min. income ≈ HK$125,768/mo (50% DSR)
Upfront cash ≈ HK$14.08M (deposit + AVD stamp duty HK$1,102,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,830
−HK$3,556/mo
▼ 0.25% · 3.875%
HK$67,595
−HK$1,791/mo
Today · 4.125%
HK$69,386
baseline
▲ 0.50% · 4.625%
HK$73,044
+HK$3,658/mo
Deposit HK$12.98M · loan HK$12.98M · min. income ≈ HK$138,772/mo (50% DSR)
Upfront cash ≈ HK$14.08M (deposit + AVD stamp duty HK$1,102,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,008
−HK$4,453/mo
▼ 0.25% · 3.875%
HK$73,217
−HK$2,244/mo
Today · 4.125%
HK$75,461
baseline
▲ 0.50% · 4.625%
HK$80,052
+HK$4,591/mo
Deposit HK$10.38M · loan HK$15.57M · min. income ≈ HK$150,922/mo (50% DSR)
Upfront cash ≈ HK$11.48M (deposit + AVD stamp duty HK$1,102,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,996
−HK$4,267/mo
▼ 0.25% · 3.875%
HK$81,114
−HK$2,149/mo
Today · 4.125%
HK$83,263
baseline
▲ 0.50% · 4.625%
HK$87,652
+HK$4,389/mo
Deposit HK$10.38M · loan HK$15.57M · min. income ≈ HK$166,526/mo (50% DSR)
Upfront cash ≈ HK$11.48M (deposit + AVD stamp duty HK$1,102,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,843
−HK$5,194/mo
▼ 0.25% · 3.875%
HK$85,419
−HK$2,618/mo
Today · 4.125%
HK$88,037
baseline
▲ 0.50% · 4.625%
HK$93,394
+HK$5,357/mo
Deposit HK$7.79M · loan HK$18.17M · min. income ≈ HK$176,074/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$1,102,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,161
−HK$4,980/mo
▼ 0.25% · 3.875%
HK$94,633
−HK$2,508/mo
Today · 4.125%
HK$97,141
baseline
▲ 0.50% · 4.625%
HK$102,261
+HK$5,120/mo
Deposit HK$7.79M · loan HK$18.17M · min. income ≈ HK$194,282/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$1,102,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,512
−HK$6,679/mo
▼ 0.25% · 3.875%
HK$109,825
−HK$3,366/mo
Today · 4.125%
HK$113,191
baseline
▲ 0.50% · 4.625%
HK$120,078
+HK$6,887/mo
Deposit HK$2.60M · loan HK$23.36M · min. income ≈ HK$226,382/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,102,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,493
−HK$6,402/mo
▼ 0.25% · 3.875%
HK$121,671
−HK$3,224/mo
Today · 4.125%
HK$124,895
baseline
▲ 0.50% · 4.625%
HK$131,479
+HK$6,584/mo
Deposit HK$2.60M · loan HK$23.36M · min. income ≈ HK$249,790/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,102,886 · Scale 2, in force from 26 Feb 2026)