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$61,391
−HK$3,849/mo
▼ 0.25% · 3.875%
HK$63,300
−HK$1,940/mo
Today · 4.125%
HK$65,240
baseline
▲ 0.50% · 4.625%
HK$69,210
+HK$3,970/mo
Deposit HK$13.46M · loan HK$13.46M · min. income ≈ HK$130,480/mo (50% DSR)
Upfront cash ≈ HK$14.61M (deposit + AVD stamp duty HK$1,144,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,296
−HK$3,690/mo
▼ 0.25% · 3.875%
HK$70,128
−HK$1,858/mo
Today · 4.125%
HK$71,986
baseline
▲ 0.50% · 4.625%
HK$75,781
+HK$3,795/mo
Deposit HK$13.46M · loan HK$13.46M · min. income ≈ HK$143,972/mo (50% DSR)
Upfront cash ≈ HK$14.61M (deposit + AVD stamp duty HK$1,144,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,669
−HK$4,619/mo
▼ 0.25% · 3.875%
HK$75,960
−HK$2,328/mo
Today · 4.125%
HK$78,288
baseline
▲ 0.50% · 4.625%
HK$83,052
+HK$4,764/mo
Deposit HK$10.77M · loan HK$16.15M · min. income ≈ HK$156,576/mo (50% DSR)
Upfront cash ≈ HK$11.91M (deposit + AVD stamp duty HK$1,144,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,956
−HK$4,427/mo
▼ 0.25% · 3.875%
HK$84,154
−HK$2,229/mo
Today · 4.125%
HK$86,383
baseline
▲ 0.50% · 4.625%
HK$90,937
+HK$4,554/mo
Deposit HK$10.77M · loan HK$16.15M · min. income ≈ HK$172,766/mo (50% DSR)
Upfront cash ≈ HK$11.91M (deposit + AVD stamp duty HK$1,144,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,947
−HK$5,389/mo
▼ 0.25% · 3.875%
HK$88,620
−HK$2,716/mo
Today · 4.125%
HK$91,336
baseline
▲ 0.50% · 4.625%
HK$96,894
+HK$5,558/mo
Deposit HK$8.08M · loan HK$18.85M · min. income ≈ HK$182,672/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$1,144,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,615
−HK$5,166/mo
▼ 0.25% · 3.875%
HK$98,179
−HK$2,602/mo
Today · 4.125%
HK$100,781
baseline
▲ 0.50% · 4.625%
HK$106,093
+HK$5,312/mo
Deposit HK$8.08M · loan HK$18.85M · min. income ≈ HK$201,562/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$1,144,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,503
−HK$6,930/mo
▼ 0.25% · 3.875%
HK$113,940
−HK$3,493/mo
Today · 4.125%
HK$117,433
baseline
▲ 0.50% · 4.625%
HK$124,578
+HK$7,145/mo
Deposit HK$2.69M · loan HK$24.23M · min. income ≈ HK$234,866/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,144,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,933
−HK$6,642/mo
▼ 0.25% · 3.875%
HK$126,230
−HK$3,345/mo
Today · 4.125%
HK$129,575
baseline
▲ 0.50% · 4.625%
HK$136,405
+HK$6,830/mo
Deposit HK$2.69M · loan HK$24.23M · min. income ≈ HK$259,150/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,144,213 · Scale 2, in force from 26 Feb 2026)