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$58,787
−HK$3,687/mo
▼ 0.25% · 3.875%
HK$60,616
−HK$1,858/mo
Today · 4.125%
HK$62,474
baseline
▲ 0.50% · 4.625%
HK$66,275
+HK$3,801/mo
Deposit HK$12.89M · loan HK$12.89M · min. income ≈ HK$124,948/mo (50% DSR)
Upfront cash ≈ HK$13.99M (deposit + AVD stamp duty HK$1,095,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,400
−HK$3,534/mo
▼ 0.25% · 3.875%
HK$67,154
−HK$1,780/mo
Today · 4.125%
HK$68,934
baseline
▲ 0.50% · 4.625%
HK$72,567
+HK$3,633/mo
Deposit HK$12.89M · loan HK$12.89M · min. income ≈ HK$137,868/mo (50% DSR)
Upfront cash ≈ HK$13.99M (deposit + AVD stamp duty HK$1,095,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,545
−HK$4,424/mo
▼ 0.25% · 3.875%
HK$72,739
−HK$2,230/mo
Today · 4.125%
HK$74,969
baseline
▲ 0.50% · 4.625%
HK$79,530
+HK$4,561/mo
Deposit HK$10.31M · loan HK$15.47M · min. income ≈ HK$149,938/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$1,095,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,481
−HK$4,240/mo
▼ 0.25% · 3.875%
HK$80,585
−HK$2,136/mo
Today · 4.125%
HK$82,721
baseline
▲ 0.50% · 4.625%
HK$87,081
+HK$4,360/mo
Deposit HK$10.31M · loan HK$15.47M · min. income ≈ HK$165,442/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$1,095,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,302
−HK$5,161/mo
▼ 0.25% · 3.875%
HK$84,862
−HK$2,601/mo
Today · 4.125%
HK$87,463
baseline
▲ 0.50% · 4.625%
HK$92,785
+HK$5,322/mo
Deposit HK$7.73M · loan HK$18.05M · min. income ≈ HK$174,926/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$1,095,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,561
−HK$4,946/mo
▼ 0.25% · 3.875%
HK$94,016
−HK$2,491/mo
Today · 4.125%
HK$96,507
baseline
▲ 0.50% · 4.625%
HK$101,594
+HK$5,087/mo
Deposit HK$7.73M · loan HK$18.05M · min. income ≈ HK$193,014/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$1,095,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,817
−HK$6,636/mo
▼ 0.25% · 3.875%
HK$109,109
−HK$3,344/mo
Today · 4.125%
HK$112,453
baseline
▲ 0.50% · 4.625%
HK$119,296
+HK$6,843/mo
Deposit HK$2.58M · loan HK$23.20M · min. income ≈ HK$224,906/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,095,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,721
−HK$6,360/mo
▼ 0.25% · 3.875%
HK$120,878
−HK$3,203/mo
Today · 4.125%
HK$124,081
baseline
▲ 0.50% · 4.625%
HK$130,621
+HK$6,540/mo
Deposit HK$2.58M · loan HK$23.20M · min. income ≈ HK$248,162/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,095,695 · Scale 2, in force from 26 Feb 2026)