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$61,077
−HK$3,831/mo
▼ 0.25% · 3.875%
HK$62,977
−HK$1,931/mo
Today · 4.125%
HK$64,908
baseline
▲ 0.50% · 4.625%
HK$68,857
+HK$3,949/mo
Deposit HK$13.39M · loan HK$13.39M · min. income ≈ HK$129,816/mo (50% DSR)
Upfront cash ≈ HK$14.53M (deposit + AVD stamp duty HK$1,138,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,948
−HK$3,671/mo
▼ 0.25% · 3.875%
HK$69,770
−HK$1,849/mo
Today · 4.125%
HK$71,619
baseline
▲ 0.50% · 4.625%
HK$75,394
+HK$3,775/mo
Deposit HK$13.39M · loan HK$13.39M · min. income ≈ HK$143,238/mo (50% DSR)
Upfront cash ≈ HK$14.53M (deposit + AVD stamp duty HK$1,138,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,293
−HK$4,596/mo
▼ 0.25% · 3.875%
HK$75,573
−HK$2,316/mo
Today · 4.125%
HK$77,889
baseline
▲ 0.50% · 4.625%
HK$82,628
+HK$4,739/mo
Deposit HK$10.71M · loan HK$16.07M · min. income ≈ HK$155,778/mo (50% DSR)
Upfront cash ≈ HK$11.85M (deposit + AVD stamp duty HK$1,138,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,538
−HK$4,405/mo
▼ 0.25% · 3.875%
HK$83,725
−HK$2,218/mo
Today · 4.125%
HK$85,943
baseline
▲ 0.50% · 4.625%
HK$90,473
+HK$4,530/mo
Deposit HK$10.71M · loan HK$16.07M · min. income ≈ HK$171,886/mo (50% DSR)
Upfront cash ≈ HK$11.85M (deposit + AVD stamp duty HK$1,138,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,508
−HK$5,363/mo
▼ 0.25% · 3.875%
HK$88,168
−HK$2,703/mo
Today · 4.125%
HK$90,871
baseline
▲ 0.50% · 4.625%
HK$96,400
+HK$5,529/mo
Deposit HK$8.04M · loan HK$18.75M · min. income ≈ HK$181,742/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$1,138,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,127
−HK$5,140/mo
▼ 0.25% · 3.875%
HK$97,679
−HK$2,588/mo
Today · 4.125%
HK$100,267
baseline
▲ 0.50% · 4.625%
HK$105,552
+HK$5,285/mo
Deposit HK$8.04M · loan HK$18.75M · min. income ≈ HK$200,534/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$1,138,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,939
−HK$6,895/mo
▼ 0.25% · 3.875%
HK$113,359
−HK$3,475/mo
Today · 4.125%
HK$116,834
baseline
▲ 0.50% · 4.625%
HK$123,943
+HK$7,109/mo
Deposit HK$2.68M · loan HK$24.11M · min. income ≈ HK$233,668/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,138,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,307
−HK$6,607/mo
▼ 0.25% · 3.875%
HK$125,587
−HK$3,327/mo
Today · 4.125%
HK$128,914
baseline
▲ 0.50% · 4.625%
HK$135,710
+HK$6,796/mo
Deposit HK$2.68M · loan HK$24.11M · min. income ≈ HK$257,828/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,138,378 · Scale 2, in force from 26 Feb 2026)