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$61,504
−HK$3,857/mo
▼ 0.25% · 3.875%
HK$63,418
−HK$1,943/mo
Today · 4.125%
HK$65,361
baseline
▲ 0.50% · 4.625%
HK$69,338
+HK$3,977/mo
Deposit HK$13.49M · loan HK$13.49M · min. income ≈ HK$130,722/mo (50% DSR)
Upfront cash ≈ HK$14.63M (deposit + AVD stamp duty HK$1,146,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,423
−HK$3,697/mo
▼ 0.25% · 3.875%
HK$70,258
−HK$1,862/mo
Today · 4.125%
HK$72,120
baseline
▲ 0.50% · 4.625%
HK$75,921
+HK$3,801/mo
Deposit HK$13.49M · loan HK$13.49M · min. income ≈ HK$144,240/mo (50% DSR)
Upfront cash ≈ HK$14.63M (deposit + AVD stamp duty HK$1,146,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,805
−HK$4,629/mo
▼ 0.25% · 3.875%
HK$76,101
−HK$2,333/mo
Today · 4.125%
HK$78,434
baseline
▲ 0.50% · 4.625%
HK$83,206
+HK$4,772/mo
Deposit HK$10.79M · loan HK$16.18M · min. income ≈ HK$156,868/mo (50% DSR)
Upfront cash ≈ HK$11.94M (deposit + AVD stamp duty HK$1,146,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,108
−HK$4,436/mo
▼ 0.25% · 3.875%
HK$84,310
−HK$2,234/mo
Today · 4.125%
HK$86,544
baseline
▲ 0.50% · 4.625%
HK$91,106
+HK$4,562/mo
Deposit HK$10.79M · loan HK$16.18M · min. income ≈ HK$173,088/mo (50% DSR)
Upfront cash ≈ HK$11.94M (deposit + AVD stamp duty HK$1,146,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,106
−HK$5,400/mo
▼ 0.25% · 3.875%
HK$88,785
−HK$2,721/mo
Today · 4.125%
HK$91,506
baseline
▲ 0.50% · 4.625%
HK$97,074
+HK$5,568/mo
Deposit HK$8.09M · loan HK$18.88M · min. income ≈ HK$183,012/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$1,146,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,792
−HK$5,176/mo
▼ 0.25% · 3.875%
HK$98,361
−HK$2,607/mo
Today · 4.125%
HK$100,968
baseline
▲ 0.50% · 4.625%
HK$106,290
+HK$5,322/mo
Deposit HK$8.09M · loan HK$18.88M · min. income ≈ HK$201,936/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$1,146,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,708
−HK$6,942/mo
▼ 0.25% · 3.875%
HK$114,152
−HK$3,498/mo
Today · 4.125%
HK$117,650
baseline
▲ 0.50% · 4.625%
HK$124,809
+HK$7,159/mo
Deposit HK$2.70M · loan HK$24.28M · min. income ≈ HK$235,300/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,146,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,161
−HK$6,655/mo
▼ 0.25% · 3.875%
HK$126,465
−HK$3,351/mo
Today · 4.125%
HK$129,816
baseline
▲ 0.50% · 4.625%
HK$136,658
+HK$6,842/mo
Deposit HK$2.70M · loan HK$24.28M · min. income ≈ HK$259,632/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,146,336 · Scale 2, in force from 26 Feb 2026)