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$62,128
−HK$3,896/mo
▼ 0.25% · 3.875%
HK$64,060
−HK$1,964/mo
Today · 4.125%
HK$66,024
baseline
▲ 0.50% · 4.625%
HK$70,041
+HK$4,017/mo
Deposit HK$13.62M · loan HK$13.62M · min. income ≈ HK$132,048/mo (50% DSR)
Upfront cash ≈ HK$14.78M (deposit + AVD stamp duty HK$1,157,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,117
−HK$3,734/mo
▼ 0.25% · 3.875%
HK$70,970
−HK$1,881/mo
Today · 4.125%
HK$72,851
baseline
▲ 0.50% · 4.625%
HK$76,691
+HK$3,840/mo
Deposit HK$13.62M · loan HK$13.62M · min. income ≈ HK$145,702/mo (50% DSR)
Upfront cash ≈ HK$14.78M (deposit + AVD stamp duty HK$1,157,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,553
−HK$4,676/mo
▼ 0.25% · 3.875%
HK$76,872
−HK$2,357/mo
Today · 4.125%
HK$79,229
baseline
▲ 0.50% · 4.625%
HK$84,049
+HK$4,820/mo
Deposit HK$10.90M · loan HK$16.35M · min. income ≈ HK$158,458/mo (50% DSR)
Upfront cash ≈ HK$12.06M (deposit + AVD stamp duty HK$1,157,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,940
−HK$4,481/mo
▼ 0.25% · 3.875%
HK$85,164
−HK$2,257/mo
Today · 4.125%
HK$87,421
baseline
▲ 0.50% · 4.625%
HK$92,029
+HK$4,608/mo
Deposit HK$10.90M · loan HK$16.35M · min. income ≈ HK$174,842/mo (50% DSR)
Upfront cash ≈ HK$12.06M (deposit + AVD stamp duty HK$1,157,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,979
−HK$5,454/mo
▼ 0.25% · 3.875%
HK$89,685
−HK$2,748/mo
Today · 4.125%
HK$92,433
baseline
▲ 0.50% · 4.625%
HK$98,058
+HK$5,625/mo
Deposit HK$8.17M · loan HK$19.07M · min. income ≈ HK$184,866/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$1,157,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,763
−HK$5,228/mo
▼ 0.25% · 3.875%
HK$99,358
−HK$2,633/mo
Today · 4.125%
HK$101,991
baseline
▲ 0.50% · 4.625%
HK$107,367
+HK$5,376/mo
Deposit HK$8.17M · loan HK$19.07M · min. income ≈ HK$203,982/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$1,157,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,830
−HK$7,013/mo
▼ 0.25% · 3.875%
HK$115,309
−HK$3,534/mo
Today · 4.125%
HK$118,843
baseline
▲ 0.50% · 4.625%
HK$126,074
+HK$7,231/mo
Deposit HK$2.72M · loan HK$24.52M · min. income ≈ HK$237,686/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,157,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,410
−HK$6,721/mo
▼ 0.25% · 3.875%
HK$127,747
−HK$3,384/mo
Today · 4.125%
HK$131,131
baseline
▲ 0.50% · 4.625%
HK$138,044
+HK$6,913/mo
Deposit HK$2.72M · loan HK$24.52M · min. income ≈ HK$262,262/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,157,956 · Scale 2, in force from 26 Feb 2026)