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$61,317
−HK$3,845/mo
▼ 0.25% · 3.875%
HK$63,225
−HK$1,937/mo
Today · 4.125%
HK$65,162
baseline
▲ 0.50% · 4.625%
HK$69,127
+HK$3,965/mo
Deposit HK$13.45M · loan HK$13.45M · min. income ≈ HK$130,324/mo (50% DSR)
Upfront cash ≈ HK$14.59M (deposit + AVD stamp duty HK$1,142,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,215
−HK$3,685/mo
▼ 0.25% · 3.875%
HK$70,044
−HK$1,856/mo
Today · 4.125%
HK$71,900
baseline
▲ 0.50% · 4.625%
HK$75,690
+HK$3,790/mo
Deposit HK$13.45M · loan HK$13.45M · min. income ≈ HK$143,800/mo (50% DSR)
Upfront cash ≈ HK$14.59M (deposit + AVD stamp duty HK$1,142,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,581
−HK$4,614/mo
▼ 0.25% · 3.875%
HK$75,869
−HK$2,326/mo
Today · 4.125%
HK$78,195
baseline
▲ 0.50% · 4.625%
HK$82,953
+HK$4,758/mo
Deposit HK$10.76M · loan HK$16.13M · min. income ≈ HK$156,390/mo (50% DSR)
Upfront cash ≈ HK$11.90M (deposit + AVD stamp duty HK$1,142,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,858
−HK$4,422/mo
▼ 0.25% · 3.875%
HK$84,053
−HK$2,227/mo
Today · 4.125%
HK$86,280
baseline
▲ 0.50% · 4.625%
HK$90,828
+HK$4,548/mo
Deposit HK$10.76M · loan HK$16.13M · min. income ≈ HK$172,560/mo (50% DSR)
Upfront cash ≈ HK$11.90M (deposit + AVD stamp duty HK$1,142,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,844
−HK$5,383/mo
▼ 0.25% · 3.875%
HK$88,514
−HK$2,713/mo
Today · 4.125%
HK$91,227
baseline
▲ 0.50% · 4.625%
HK$96,778
+HK$5,551/mo
Deposit HK$8.07M · loan HK$18.82M · min. income ≈ HK$182,454/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$1,142,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,501
−HK$5,159/mo
▼ 0.25% · 3.875%
HK$98,062
−HK$2,598/mo
Today · 4.125%
HK$100,660
baseline
▲ 0.50% · 4.625%
HK$105,966
+HK$5,306/mo
Deposit HK$8.07M · loan HK$18.82M · min. income ≈ HK$201,320/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$1,142,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,371
−HK$6,921/mo
▼ 0.25% · 3.875%
HK$113,804
−HK$3,488/mo
Today · 4.125%
HK$117,292
baseline
▲ 0.50% · 4.625%
HK$124,429
+HK$7,137/mo
Deposit HK$2.69M · loan HK$24.20M · min. income ≈ HK$234,584/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,142,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,787
−HK$6,633/mo
▼ 0.25% · 3.875%
HK$126,080
−HK$3,340/mo
Today · 4.125%
HK$129,420
baseline
▲ 0.50% · 4.625%
HK$136,242
+HK$6,822/mo
Deposit HK$2.69M · loan HK$24.20M · min. income ≈ HK$258,840/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,142,847 · Scale 2, in force from 26 Feb 2026)