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$62,970
−HK$3,948/mo
▼ 0.25% · 3.875%
HK$64,928
−HK$1,990/mo
Today · 4.125%
HK$66,918
baseline
▲ 0.50% · 4.625%
HK$70,990
+HK$4,072/mo
Deposit HK$13.81M · loan HK$13.81M · min. income ≈ HK$133,836/mo (50% DSR)
Upfront cash ≈ HK$14.98M (deposit + AVD stamp duty HK$1,173,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,053
−HK$3,785/mo
▼ 0.25% · 3.875%
HK$71,932
−HK$1,906/mo
Today · 4.125%
HK$73,838
baseline
▲ 0.50% · 4.625%
HK$77,730
+HK$3,892/mo
Deposit HK$13.81M · loan HK$13.81M · min. income ≈ HK$147,676/mo (50% DSR)
Upfront cash ≈ HK$14.98M (deposit + AVD stamp duty HK$1,173,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,564
−HK$4,738/mo
▼ 0.25% · 3.875%
HK$77,914
−HK$2,388/mo
Today · 4.125%
HK$80,302
baseline
▲ 0.50% · 4.625%
HK$85,188
+HK$4,886/mo
Deposit HK$11.05M · loan HK$16.57M · min. income ≈ HK$160,604/mo (50% DSR)
Upfront cash ≈ HK$12.22M (deposit + AVD stamp duty HK$1,173,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,064
−HK$4,541/mo
▼ 0.25% · 3.875%
HK$86,318
−HK$2,287/mo
Today · 4.125%
HK$88,605
baseline
▲ 0.50% · 4.625%
HK$93,276
+HK$4,671/mo
Deposit HK$11.05M · loan HK$16.57M · min. income ≈ HK$177,210/mo (50% DSR)
Upfront cash ≈ HK$12.22M (deposit + AVD stamp duty HK$1,173,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,158
−HK$5,528/mo
▼ 0.25% · 3.875%
HK$90,900
−HK$2,786/mo
Today · 4.125%
HK$93,686
baseline
▲ 0.50% · 4.625%
HK$99,386
+HK$5,700/mo
Deposit HK$8.28M · loan HK$19.33M · min. income ≈ HK$187,372/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$1,173,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,074
−HK$5,299/mo
▼ 0.25% · 3.875%
HK$100,705
−HK$2,668/mo
Today · 4.125%
HK$103,373
baseline
▲ 0.50% · 4.625%
HK$108,822
+HK$5,449/mo
Deposit HK$8.28M · loan HK$19.33M · min. income ≈ HK$206,746/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$1,173,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,345
−HK$7,108/mo
▼ 0.25% · 3.875%
HK$116,871
−HK$3,582/mo
Today · 4.125%
HK$120,453
baseline
▲ 0.50% · 4.625%
HK$127,782
+HK$7,329/mo
Deposit HK$2.76M · loan HK$24.85M · min. income ≈ HK$240,906/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,173,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,096
−HK$6,812/mo
▼ 0.25% · 3.875%
HK$129,477
−HK$3,431/mo
Today · 4.125%
HK$132,908
baseline
▲ 0.50% · 4.625%
HK$139,914
+HK$7,006/mo
Deposit HK$2.76M · loan HK$24.85M · min. income ≈ HK$265,816/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,173,646 · Scale 2, in force from 26 Feb 2026)