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$62,938
−HK$3,947/mo
▼ 0.25% · 3.875%
HK$64,896
−HK$1,989/mo
Today · 4.125%
HK$66,885
baseline
▲ 0.50% · 4.625%
HK$70,955
+HK$4,070/mo
Deposit HK$13.80M · loan HK$13.80M · min. income ≈ HK$133,770/mo (50% DSR)
Upfront cash ≈ HK$14.97M (deposit + AVD stamp duty HK$1,173,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,018
−HK$3,783/mo
▼ 0.25% · 3.875%
HK$71,896
−HK$1,905/mo
Today · 4.125%
HK$73,801
baseline
▲ 0.50% · 4.625%
HK$77,691
+HK$3,890/mo
Deposit HK$13.80M · loan HK$13.80M · min. income ≈ HK$147,602/mo (50% DSR)
Upfront cash ≈ HK$14.97M (deposit + AVD stamp duty HK$1,173,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,526
−HK$4,736/mo
▼ 0.25% · 3.875%
HK$77,875
−HK$2,387/mo
Today · 4.125%
HK$80,262
baseline
▲ 0.50% · 4.625%
HK$85,145
+HK$4,883/mo
Deposit HK$11.04M · loan HK$16.56M · min. income ≈ HK$160,524/mo (50% DSR)
Upfront cash ≈ HK$12.21M (deposit + AVD stamp duty HK$1,173,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,021
−HK$4,540/mo
▼ 0.25% · 3.875%
HK$86,275
−HK$2,286/mo
Today · 4.125%
HK$88,561
baseline
▲ 0.50% · 4.625%
HK$93,229
+HK$4,668/mo
Deposit HK$11.04M · loan HK$16.56M · min. income ≈ HK$177,122/mo (50% DSR)
Upfront cash ≈ HK$12.21M (deposit + AVD stamp duty HK$1,173,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,113
−HK$5,526/mo
▼ 0.25% · 3.875%
HK$90,854
−HK$2,785/mo
Today · 4.125%
HK$93,639
baseline
▲ 0.50% · 4.625%
HK$99,336
+HK$5,697/mo
Deposit HK$8.28M · loan HK$19.32M · min. income ≈ HK$187,278/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$1,173,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,025
−HK$5,296/mo
▼ 0.25% · 3.875%
HK$100,654
−HK$2,667/mo
Today · 4.125%
HK$103,321
baseline
▲ 0.50% · 4.625%
HK$108,767
+HK$5,446/mo
Deposit HK$8.28M · loan HK$19.32M · min. income ≈ HK$206,642/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$1,173,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,288
−HK$7,105/mo
▼ 0.25% · 3.875%
HK$116,812
−HK$3,581/mo
Today · 4.125%
HK$120,393
baseline
▲ 0.50% · 4.625%
HK$127,718
+HK$7,325/mo
Deposit HK$2.76M · loan HK$24.84M · min. income ≈ HK$240,786/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,173,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,032
−HK$6,809/mo
▼ 0.25% · 3.875%
HK$129,412
−HK$3,429/mo
Today · 4.125%
HK$132,841
baseline
▲ 0.50% · 4.625%
HK$139,844
+HK$7,003/mo
Deposit HK$2.76M · loan HK$24.84M · min. income ≈ HK$265,682/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,173,055 · Scale 2, in force from 26 Feb 2026)