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$63,657
−HK$3,992/mo
▼ 0.25% · 3.875%
HK$65,637
−HK$2,012/mo
Today · 4.125%
HK$67,649
baseline
▲ 0.50% · 4.625%
HK$71,765
+HK$4,116/mo
Deposit HK$13.96M · loan HK$13.96M · min. income ≈ HK$135,298/mo (50% DSR)
Upfront cash ≈ HK$15.14M (deposit + AVD stamp duty HK$1,186,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,818
−HK$3,826/mo
▼ 0.25% · 3.875%
HK$72,717
−HK$1,927/mo
Today · 4.125%
HK$74,644
baseline
▲ 0.50% · 4.625%
HK$78,579
+HK$3,935/mo
Deposit HK$13.96M · loan HK$13.96M · min. income ≈ HK$149,288/mo (50% DSR)
Upfront cash ≈ HK$15.14M (deposit + AVD stamp duty HK$1,186,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,389
−HK$4,790/mo
▼ 0.25% · 3.875%
HK$78,765
−HK$2,414/mo
Today · 4.125%
HK$81,179
baseline
▲ 0.50% · 4.625%
HK$86,118
+HK$4,939/mo
Deposit HK$11.17M · loan HK$16.75M · min. income ≈ HK$162,358/mo (50% DSR)
Upfront cash ≈ HK$12.35M (deposit + AVD stamp duty HK$1,186,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,982
−HK$4,591/mo
▼ 0.25% · 3.875%
HK$87,261
−HK$2,312/mo
Today · 4.125%
HK$89,573
baseline
▲ 0.50% · 4.625%
HK$94,294
+HK$4,721/mo
Deposit HK$11.17M · loan HK$16.75M · min. income ≈ HK$179,146/mo (50% DSR)
Upfront cash ≈ HK$12.35M (deposit + AVD stamp duty HK$1,186,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,120
−HK$5,589/mo
▼ 0.25% · 3.875%
HK$91,892
−HK$2,817/mo
Today · 4.125%
HK$94,709
baseline
▲ 0.50% · 4.625%
HK$100,472
+HK$5,763/mo
Deposit HK$8.38M · loan HK$19.54M · min. income ≈ HK$189,418/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$1,186,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,145
−HK$5,357/mo
▼ 0.25% · 3.875%
HK$101,804
−HK$2,698/mo
Today · 4.125%
HK$104,502
baseline
▲ 0.50% · 4.625%
HK$110,010
+HK$5,508/mo
Deposit HK$8.38M · loan HK$19.54M · min. income ≈ HK$209,004/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$1,186,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,583
−HK$7,185/mo
▼ 0.25% · 3.875%
HK$118,147
−HK$3,621/mo
Today · 4.125%
HK$121,768
baseline
▲ 0.50% · 4.625%
HK$129,178
+HK$7,410/mo
Deposit HK$2.79M · loan HK$25.13M · min. income ≈ HK$243,536/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$1,186,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,472
−HK$6,887/mo
▼ 0.25% · 3.875%
HK$130,891
−HK$3,468/mo
Today · 4.125%
HK$134,359
baseline
▲ 0.50% · 4.625%
HK$141,442
+HK$7,083/mo
Deposit HK$2.79M · loan HK$25.13M · min. income ≈ HK$268,718/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$1,186,460 · Scale 2, in force from 26 Feb 2026)