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$63,112
−HK$3,958/mo
▼ 0.25% · 3.875%
HK$65,075
−HK$1,995/mo
Today · 4.125%
HK$67,070
baseline
▲ 0.50% · 4.625%
HK$71,151
+HK$4,081/mo
Deposit HK$13.84M · loan HK$13.84M · min. income ≈ HK$134,140/mo (50% DSR)
Upfront cash ≈ HK$15.02M (deposit + AVD stamp duty HK$1,176,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,212
−HK$3,793/mo
▼ 0.25% · 3.875%
HK$72,095
−HK$1,910/mo
Today · 4.125%
HK$74,005
baseline
▲ 0.50% · 4.625%
HK$77,906
+HK$3,901/mo
Deposit HK$13.84M · loan HK$13.84M · min. income ≈ HK$148,010/mo (50% DSR)
Upfront cash ≈ HK$15.02M (deposit + AVD stamp duty HK$1,176,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,735
−HK$4,749/mo
▼ 0.25% · 3.875%
HK$78,090
−HK$2,394/mo
Today · 4.125%
HK$80,484
baseline
▲ 0.50% · 4.625%
HK$85,381
+HK$4,897/mo
Deposit HK$11.07M · loan HK$16.61M · min. income ≈ HK$160,968/mo (50% DSR)
Upfront cash ≈ HK$12.25M (deposit + AVD stamp duty HK$1,176,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,254
−HK$4,552/mo
▼ 0.25% · 3.875%
HK$86,514
−HK$2,292/mo
Today · 4.125%
HK$88,806
baseline
▲ 0.50% · 4.625%
HK$93,487
+HK$4,681/mo
Deposit HK$11.07M · loan HK$16.61M · min. income ≈ HK$177,612/mo (50% DSR)
Upfront cash ≈ HK$12.25M (deposit + AVD stamp duty HK$1,176,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,357
−HK$5,541/mo
▼ 0.25% · 3.875%
HK$91,106
−HK$2,792/mo
Today · 4.125%
HK$93,898
baseline
▲ 0.50% · 4.625%
HK$99,611
+HK$5,713/mo
Deposit HK$8.30M · loan HK$19.37M · min. income ≈ HK$187,796/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$1,176,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,296
−HK$5,311/mo
▼ 0.25% · 3.875%
HK$100,933
−HK$2,674/mo
Today · 4.125%
HK$103,607
baseline
▲ 0.50% · 4.625%
HK$109,068
+HK$5,461/mo
Deposit HK$8.30M · loan HK$19.37M · min. income ≈ HK$207,214/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$1,176,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,602
−HK$7,124/mo
▼ 0.25% · 3.875%
HK$117,136
−HK$3,590/mo
Today · 4.125%
HK$120,726
baseline
▲ 0.50% · 4.625%
HK$128,072
+HK$7,346/mo
Deposit HK$2.77M · loan HK$24.91M · min. income ≈ HK$241,452/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,176,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,381
−HK$6,828/mo
▼ 0.25% · 3.875%
HK$129,771
−HK$3,438/mo
Today · 4.125%
HK$133,209
baseline
▲ 0.50% · 4.625%
HK$140,231
+HK$7,022/mo
Deposit HK$2.77M · loan HK$24.91M · min. income ≈ HK$266,418/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,176,302 · Scale 2, in force from 26 Feb 2026)