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$62,768
−HK$3,936/mo
▼ 0.25% · 3.875%
HK$64,721
−HK$1,983/mo
Today · 4.125%
HK$66,704
baseline
▲ 0.50% · 4.625%
HK$70,763
+HK$4,059/mo
Deposit HK$13.76M · loan HK$13.76M · min. income ≈ HK$133,408/mo (50% DSR)
Upfront cash ≈ HK$14.93M (deposit + AVD stamp duty HK$1,169,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,829
−HK$3,773/mo
▼ 0.25% · 3.875%
HK$71,702
−HK$1,900/mo
Today · 4.125%
HK$73,602
baseline
▲ 0.50% · 4.625%
HK$77,481
+HK$3,879/mo
Deposit HK$13.76M · loan HK$13.76M · min. income ≈ HK$147,204/mo (50% DSR)
Upfront cash ≈ HK$14.93M (deposit + AVD stamp duty HK$1,169,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,322
−HK$4,723/mo
▼ 0.25% · 3.875%
HK$77,665
−HK$2,380/mo
Today · 4.125%
HK$80,045
baseline
▲ 0.50% · 4.625%
HK$84,916
+HK$4,871/mo
Deposit HK$11.01M · loan HK$16.52M · min. income ≈ HK$160,090/mo (50% DSR)
Upfront cash ≈ HK$12.18M (deposit + AVD stamp duty HK$1,169,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,795
−HK$4,527/mo
▼ 0.25% · 3.875%
HK$86,042
−HK$2,280/mo
Today · 4.125%
HK$88,322
baseline
▲ 0.50% · 4.625%
HK$92,977
+HK$4,655/mo
Deposit HK$11.01M · loan HK$16.52M · min. income ≈ HK$176,644/mo (50% DSR)
Upfront cash ≈ HK$12.18M (deposit + AVD stamp duty HK$1,169,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,875
−HK$5,511/mo
▼ 0.25% · 3.875%
HK$90,609
−HK$2,777/mo
Today · 4.125%
HK$93,386
baseline
▲ 0.50% · 4.625%
HK$99,068
+HK$5,682/mo
Deposit HK$8.26M · loan HK$19.27M · min. income ≈ HK$186,772/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$1,169,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,760
−HK$5,282/mo
▼ 0.25% · 3.875%
HK$100,382
−HK$2,660/mo
Today · 4.125%
HK$103,042
baseline
▲ 0.50% · 4.625%
HK$108,474
+HK$5,432/mo
Deposit HK$8.26M · loan HK$19.27M · min. income ≈ HK$206,084/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$1,169,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,983
−HK$7,085/mo
▼ 0.25% · 3.875%
HK$116,497
−HK$3,571/mo
Today · 4.125%
HK$120,068
baseline
▲ 0.50% · 4.625%
HK$127,373
+HK$7,305/mo
Deposit HK$2.75M · loan HK$24.77M · min. income ≈ HK$240,136/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$1,169,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,692
−HK$6,791/mo
▼ 0.25% · 3.875%
HK$129,063
−HK$3,420/mo
Today · 4.125%
HK$132,483
baseline
▲ 0.50% · 4.625%
HK$139,466
+HK$6,983/mo
Deposit HK$2.75M · loan HK$24.77M · min. income ≈ HK$264,966/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$1,169,889 · Scale 2, in force from 26 Feb 2026)