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$60,474
−HK$3,792/mo
▼ 0.25% · 3.875%
HK$62,355
−HK$1,911/mo
Today · 4.125%
HK$64,266
baseline
▲ 0.50% · 4.625%
HK$68,176
+HK$3,910/mo
Deposit HK$13.26M · loan HK$13.26M · min. income ≈ HK$128,532/mo (50% DSR)
Upfront cash ≈ HK$14.39M (deposit + AVD stamp duty HK$1,127,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,276
−HK$3,635/mo
▼ 0.25% · 3.875%
HK$69,081
−HK$1,830/mo
Today · 4.125%
HK$70,911
baseline
▲ 0.50% · 4.625%
HK$74,649
+HK$3,738/mo
Deposit HK$13.26M · loan HK$13.26M · min. income ≈ HK$141,822/mo (50% DSR)
Upfront cash ≈ HK$14.39M (deposit + AVD stamp duty HK$1,127,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,568
−HK$4,551/mo
▼ 0.25% · 3.875%
HK$74,826
−HK$2,293/mo
Today · 4.125%
HK$77,119
baseline
▲ 0.50% · 4.625%
HK$81,811
+HK$4,692/mo
Deposit HK$10.61M · loan HK$15.91M · min. income ≈ HK$154,238/mo (50% DSR)
Upfront cash ≈ HK$11.74M (deposit + AVD stamp duty HK$1,127,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,731
−HK$4,362/mo
▼ 0.25% · 3.875%
HK$82,897
−HK$2,196/mo
Today · 4.125%
HK$85,093
baseline
▲ 0.50% · 4.625%
HK$89,578
+HK$4,485/mo
Deposit HK$10.61M · loan HK$15.91M · min. income ≈ HK$170,186/mo (50% DSR)
Upfront cash ≈ HK$11.74M (deposit + AVD stamp duty HK$1,127,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,663
−HK$5,309/mo
▼ 0.25% · 3.875%
HK$87,296
−HK$2,676/mo
Today · 4.125%
HK$89,972
baseline
▲ 0.50% · 4.625%
HK$95,447
+HK$5,475/mo
Deposit HK$7.96M · loan HK$18.56M · min. income ≈ HK$179,944/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$1,127,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,187
−HK$5,088/mo
▼ 0.25% · 3.875%
HK$96,713
−HK$2,562/mo
Today · 4.125%
HK$99,275
baseline
▲ 0.50% · 4.625%
HK$104,508
+HK$5,233/mo
Deposit HK$7.96M · loan HK$18.56M · min. income ≈ HK$198,550/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$1,127,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,852
−HK$6,826/mo
▼ 0.25% · 3.875%
HK$112,238
−HK$3,440/mo
Today · 4.125%
HK$115,678
baseline
▲ 0.50% · 4.625%
HK$122,717
+HK$7,039/mo
Deposit HK$2.65M · loan HK$23.87M · min. income ≈ HK$231,356/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,127,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,097
−HK$6,543/mo
▼ 0.25% · 3.875%
HK$124,345
−HK$3,295/mo
Today · 4.125%
HK$127,640
baseline
▲ 0.50% · 4.625%
HK$134,368
+HK$6,728/mo
Deposit HK$2.65M · loan HK$23.87M · min. income ≈ HK$255,280/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,127,122 · Scale 2, in force from 26 Feb 2026)