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$61,338
−HK$3,846/mo
▼ 0.25% · 3.875%
HK$63,246
−HK$1,938/mo
Today · 4.125%
HK$65,184
baseline
▲ 0.50% · 4.625%
HK$69,151
+HK$3,967/mo
Deposit HK$13.45M · loan HK$13.45M · min. income ≈ HK$130,368/mo (50% DSR)
Upfront cash ≈ HK$14.59M (deposit + AVD stamp duty HK$1,143,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,238
−HK$3,686/mo
▼ 0.25% · 3.875%
HK$70,068
−HK$1,856/mo
Today · 4.125%
HK$71,924
baseline
▲ 0.50% · 4.625%
HK$75,716
+HK$3,792/mo
Deposit HK$13.45M · loan HK$13.45M · min. income ≈ HK$143,848/mo (50% DSR)
Upfront cash ≈ HK$14.59M (deposit + AVD stamp duty HK$1,143,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,605
−HK$4,616/mo
▼ 0.25% · 3.875%
HK$75,895
−HK$2,326/mo
Today · 4.125%
HK$78,221
baseline
▲ 0.50% · 4.625%
HK$82,981
+HK$4,760/mo
Deposit HK$10.76M · loan HK$16.14M · min. income ≈ HK$156,442/mo (50% DSR)
Upfront cash ≈ HK$11.90M (deposit + AVD stamp duty HK$1,143,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,885
−HK$4,424/mo
▼ 0.25% · 3.875%
HK$84,081
−HK$2,228/mo
Today · 4.125%
HK$86,309
baseline
▲ 0.50% · 4.625%
HK$90,859
+HK$4,550/mo
Deposit HK$10.76M · loan HK$16.14M · min. income ≈ HK$172,618/mo (50% DSR)
Upfront cash ≈ HK$11.90M (deposit + AVD stamp duty HK$1,143,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,873
−HK$5,385/mo
▼ 0.25% · 3.875%
HK$88,544
−HK$2,714/mo
Today · 4.125%
HK$91,258
baseline
▲ 0.50% · 4.625%
HK$96,811
+HK$5,553/mo
Deposit HK$8.07M · loan HK$18.83M · min. income ≈ HK$182,516/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$1,143,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,533
−HK$5,161/mo
▼ 0.25% · 3.875%
HK$98,095
−HK$2,599/mo
Today · 4.125%
HK$100,694
baseline
▲ 0.50% · 4.625%
HK$106,002
+HK$5,308/mo
Deposit HK$8.07M · loan HK$18.83M · min. income ≈ HK$201,388/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$1,143,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,408
−HK$6,924/mo
▼ 0.25% · 3.875%
HK$113,842
−HK$3,490/mo
Today · 4.125%
HK$117,332
baseline
▲ 0.50% · 4.625%
HK$124,471
+HK$7,139/mo
Deposit HK$2.69M · loan HK$24.21M · min. income ≈ HK$234,664/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,143,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,828
−HK$6,636/mo
▼ 0.25% · 3.875%
HK$126,122
−HK$3,342/mo
Today · 4.125%
HK$129,464
baseline
▲ 0.50% · 4.625%
HK$136,288
+HK$6,824/mo
Deposit HK$2.69M · loan HK$24.21M · min. income ≈ HK$258,928/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,143,231 · Scale 2, in force from 26 Feb 2026)