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$61,793
−HK$3,875/mo
▼ 0.25% · 3.875%
HK$63,716
−HK$1,952/mo
Today · 4.125%
HK$65,668
baseline
▲ 0.50% · 4.625%
HK$69,664
+HK$3,996/mo
Deposit HK$13.55M · loan HK$13.55M · min. income ≈ HK$131,336/mo (50% DSR)
Upfront cash ≈ HK$14.70M (deposit + AVD stamp duty HK$1,151,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,745
−HK$3,714/mo
▼ 0.25% · 3.875%
HK$70,588
−HK$1,871/mo
Today · 4.125%
HK$72,459
baseline
▲ 0.50% · 4.625%
HK$76,278
+HK$3,819/mo
Deposit HK$13.55M · loan HK$13.55M · min. income ≈ HK$144,918/mo (50% DSR)
Upfront cash ≈ HK$14.70M (deposit + AVD stamp duty HK$1,151,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,152
−HK$4,650/mo
▼ 0.25% · 3.875%
HK$76,459
−HK$2,343/mo
Today · 4.125%
HK$78,802
baseline
▲ 0.50% · 4.625%
HK$83,597
+HK$4,795/mo
Deposit HK$10.84M · loan HK$16.26M · min. income ≈ HK$157,604/mo (50% DSR)
Upfront cash ≈ HK$11.99M (deposit + AVD stamp duty HK$1,151,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,493
−HK$4,457/mo
▼ 0.25% · 3.875%
HK$84,706
−HK$2,244/mo
Today · 4.125%
HK$86,950
baseline
▲ 0.50% · 4.625%
HK$91,534
+HK$4,584/mo
Deposit HK$10.84M · loan HK$16.26M · min. income ≈ HK$173,900/mo (50% DSR)
Upfront cash ≈ HK$11.99M (deposit + AVD stamp duty HK$1,151,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,511
−HK$5,425/mo
▼ 0.25% · 3.875%
HK$89,202
−HK$2,734/mo
Today · 4.125%
HK$91,936
baseline
▲ 0.50% · 4.625%
HK$97,530
+HK$5,594/mo
Deposit HK$8.13M · loan HK$18.97M · min. income ≈ HK$183,872/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$1,151,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,242
−HK$5,200/mo
▼ 0.25% · 3.875%
HK$98,824
−HK$2,618/mo
Today · 4.125%
HK$101,442
baseline
▲ 0.50% · 4.625%
HK$106,789
+HK$5,347/mo
Deposit HK$8.13M · loan HK$18.97M · min. income ≈ HK$202,884/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$1,151,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,228
−HK$6,975/mo
▼ 0.25% · 3.875%
HK$114,688
−HK$3,515/mo
Today · 4.125%
HK$118,203
baseline
▲ 0.50% · 4.625%
HK$125,395
+HK$7,192/mo
Deposit HK$2.71M · loan HK$24.39M · min. income ≈ HK$236,406/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,151,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,740
−HK$6,685/mo
▼ 0.25% · 3.875%
HK$127,059
−HK$3,366/mo
Today · 4.125%
HK$130,425
baseline
▲ 0.50% · 4.625%
HK$137,300
+HK$6,875/mo
Deposit HK$2.71M · loan HK$24.39M · min. income ≈ HK$260,850/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,151,722 · Scale 2, in force from 26 Feb 2026)