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$63,302
−HK$3,970/mo
▼ 0.25% · 3.875%
HK$65,271
−HK$2,001/mo
Today · 4.125%
HK$67,272
baseline
▲ 0.50% · 4.625%
HK$71,365
+HK$4,093/mo
Deposit HK$13.88M · loan HK$13.88M · min. income ≈ HK$134,544/mo (50% DSR)
Upfront cash ≈ HK$15.06M (deposit + AVD stamp duty HK$1,179,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,423
−HK$3,805/mo
▼ 0.25% · 3.875%
HK$72,312
−HK$1,916/mo
Today · 4.125%
HK$74,228
baseline
▲ 0.50% · 4.625%
HK$78,141
+HK$3,913/mo
Deposit HK$13.88M · loan HK$13.88M · min. income ≈ HK$148,456/mo (50% DSR)
Upfront cash ≈ HK$15.06M (deposit + AVD stamp duty HK$1,179,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,963
−HK$4,763/mo
▼ 0.25% · 3.875%
HK$78,326
−HK$2,400/mo
Today · 4.125%
HK$80,726
baseline
▲ 0.50% · 4.625%
HK$85,638
+HK$4,912/mo
Deposit HK$11.10M · loan HK$16.66M · min. income ≈ HK$161,452/mo (50% DSR)
Upfront cash ≈ HK$12.28M (deposit + AVD stamp duty HK$1,179,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,508
−HK$4,565/mo
▼ 0.25% · 3.875%
HK$86,774
−HK$2,299/mo
Today · 4.125%
HK$89,073
baseline
▲ 0.50% · 4.625%
HK$93,769
+HK$4,696/mo
Deposit HK$11.10M · loan HK$16.66M · min. income ≈ HK$178,146/mo (50% DSR)
Upfront cash ≈ HK$12.28M (deposit + AVD stamp duty HK$1,179,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,623
−HK$5,558/mo
▼ 0.25% · 3.875%
HK$91,380
−HK$2,801/mo
Today · 4.125%
HK$94,181
baseline
▲ 0.50% · 4.625%
HK$99,911
+HK$5,730/mo
Deposit HK$8.33M · loan HK$19.43M · min. income ≈ HK$188,362/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$1,179,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,592
−HK$5,327/mo
▼ 0.25% · 3.875%
HK$101,237
−HK$2,682/mo
Today · 4.125%
HK$103,919
baseline
▲ 0.50% · 4.625%
HK$109,397
+HK$5,478/mo
Deposit HK$8.33M · loan HK$19.43M · min. income ≈ HK$207,838/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$1,179,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,944
−HK$7,145/mo
▼ 0.25% · 3.875%
HK$117,488
−HK$3,601/mo
Today · 4.125%
HK$121,089
baseline
▲ 0.50% · 4.625%
HK$128,457
+HK$7,368/mo
Deposit HK$2.78M · loan HK$24.98M · min. income ≈ HK$242,178/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$1,179,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,762
−HK$6,848/mo
▼ 0.25% · 3.875%
HK$130,161
−HK$3,449/mo
Today · 4.125%
HK$133,610
baseline
▲ 0.50% · 4.625%
HK$140,653
+HK$7,043/mo
Deposit HK$2.78M · loan HK$24.98M · min. income ≈ HK$267,220/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$1,179,844 · Scale 2, in force from 26 Feb 2026)