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$60,615
−HK$3,801/mo
▼ 0.25% · 3.875%
HK$62,501
−HK$1,915/mo
Today · 4.125%
HK$64,416
baseline
▲ 0.50% · 4.625%
HK$68,336
+HK$3,920/mo
Deposit HK$13.29M · loan HK$13.29M · min. income ≈ HK$128,832/mo (50% DSR)
Upfront cash ≈ HK$14.42M (deposit + AVD stamp duty HK$1,129,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,434
−HK$3,643/mo
▼ 0.25% · 3.875%
HK$69,242
−HK$1,835/mo
Today · 4.125%
HK$71,077
baseline
▲ 0.50% · 4.625%
HK$74,824
+HK$3,747/mo
Deposit HK$13.29M · loan HK$13.29M · min. income ≈ HK$142,154/mo (50% DSR)
Upfront cash ≈ HK$14.42M (deposit + AVD stamp duty HK$1,129,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,738
−HK$4,562/mo
▼ 0.25% · 3.875%
HK$75,001
−HK$2,299/mo
Today · 4.125%
HK$77,300
baseline
▲ 0.50% · 4.625%
HK$82,003
+HK$4,703/mo
Deposit HK$10.63M · loan HK$15.95M · min. income ≈ HK$154,600/mo (50% DSR)
Upfront cash ≈ HK$11.76M (deposit + AVD stamp duty HK$1,129,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,921
−HK$4,372/mo
▼ 0.25% · 3.875%
HK$83,091
−HK$2,202/mo
Today · 4.125%
HK$85,293
baseline
▲ 0.50% · 4.625%
HK$89,788
+HK$4,495/mo
Deposit HK$10.63M · loan HK$15.95M · min. income ≈ HK$170,586/mo (50% DSR)
Upfront cash ≈ HK$11.76M (deposit + AVD stamp duty HK$1,129,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,861
−HK$5,322/mo
▼ 0.25% · 3.875%
HK$87,501
−HK$2,682/mo
Today · 4.125%
HK$90,183
baseline
▲ 0.50% · 4.625%
HK$95,670
+HK$5,487/mo
Deposit HK$7.97M · loan HK$18.61M · min. income ≈ HK$180,366/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$1,129,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,407
−HK$5,101/mo
▼ 0.25% · 3.875%
HK$96,939
−HK$2,569/mo
Today · 4.125%
HK$99,508
baseline
▲ 0.50% · 4.625%
HK$104,753
+HK$5,245/mo
Deposit HK$7.97M · loan HK$18.61M · min. income ≈ HK$199,016/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$1,129,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,107
−HK$6,842/mo
▼ 0.25% · 3.875%
HK$112,501
−HK$3,448/mo
Today · 4.125%
HK$115,949
baseline
▲ 0.50% · 4.625%
HK$123,005
+HK$7,056/mo
Deposit HK$2.66M · loan HK$23.92M · min. income ≈ HK$231,898/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,129,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,381
−HK$6,558/mo
▼ 0.25% · 3.875%
HK$124,636
−HK$3,303/mo
Today · 4.125%
HK$127,939
baseline
▲ 0.50% · 4.625%
HK$134,683
+HK$6,744/mo
Deposit HK$2.66M · loan HK$23.92M · min. income ≈ HK$255,878/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,129,763 · Scale 2, in force from 26 Feb 2026)