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$63,594
−HK$3,988/mo
▼ 0.25% · 3.875%
HK$65,572
−HK$2,010/mo
Today · 4.125%
HK$67,582
baseline
▲ 0.50% · 4.625%
HK$71,694
+HK$4,112/mo
Deposit HK$13.94M · loan HK$13.94M · min. income ≈ HK$135,164/mo (50% DSR)
Upfront cash ≈ HK$15.13M (deposit + AVD stamp duty HK$1,185,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,748
−HK$3,822/mo
▼ 0.25% · 3.875%
HK$72,645
−HK$1,925/mo
Today · 4.125%
HK$74,570
baseline
▲ 0.50% · 4.625%
HK$78,501
+HK$3,931/mo
Deposit HK$13.94M · loan HK$13.94M · min. income ≈ HK$149,140/mo (50% DSR)
Upfront cash ≈ HK$15.13M (deposit + AVD stamp duty HK$1,185,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,313
−HK$4,786/mo
▼ 0.25% · 3.875%
HK$78,687
−HK$2,412/mo
Today · 4.125%
HK$81,099
baseline
▲ 0.50% · 4.625%
HK$86,033
+HK$4,934/mo
Deposit HK$11.16M · loan HK$16.73M · min. income ≈ HK$162,198/mo (50% DSR)
Upfront cash ≈ HK$12.34M (deposit + AVD stamp duty HK$1,185,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,898
−HK$4,586/mo
▼ 0.25% · 3.875%
HK$87,174
−HK$2,310/mo
Today · 4.125%
HK$89,484
baseline
▲ 0.50% · 4.625%
HK$94,201
+HK$4,717/mo
Deposit HK$11.16M · loan HK$16.73M · min. income ≈ HK$178,968/mo (50% DSR)
Upfront cash ≈ HK$12.34M (deposit + AVD stamp duty HK$1,185,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,032
−HK$5,583/mo
▼ 0.25% · 3.875%
HK$91,801
−HK$2,814/mo
Today · 4.125%
HK$94,615
baseline
▲ 0.50% · 4.625%
HK$100,372
+HK$5,757/mo
Deposit HK$8.37M · loan HK$19.52M · min. income ≈ HK$189,230/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$1,185,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,047
−HK$5,351/mo
▼ 0.25% · 3.875%
HK$101,704
−HK$2,694/mo
Today · 4.125%
HK$104,398
baseline
▲ 0.50% · 4.625%
HK$109,901
+HK$5,503/mo
Deposit HK$8.37M · loan HK$19.52M · min. income ≈ HK$208,796/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$1,185,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,470
−HK$7,178/mo
▼ 0.25% · 3.875%
HK$118,030
−HK$3,618/mo
Today · 4.125%
HK$121,648
baseline
▲ 0.50% · 4.625%
HK$129,050
+HK$7,402/mo
Deposit HK$2.79M · loan HK$25.10M · min. income ≈ HK$243,296/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,185,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,346
−HK$6,880/mo
▼ 0.25% · 3.875%
HK$130,762
−HK$3,464/mo
Today · 4.125%
HK$134,226
baseline
▲ 0.50% · 4.625%
HK$141,302
+HK$7,076/mo
Deposit HK$2.79M · loan HK$25.10M · min. income ≈ HK$268,452/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,185,286 · Scale 2, in force from 26 Feb 2026)