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$61,709
−HK$3,870/mo
▼ 0.25% · 3.875%
HK$63,629
−HK$1,950/mo
Today · 4.125%
HK$65,579
baseline
▲ 0.50% · 4.625%
HK$69,569
+HK$3,990/mo
Deposit HK$13.53M · loan HK$13.53M · min. income ≈ HK$131,158/mo (50% DSR)
Upfront cash ≈ HK$14.68M (deposit + AVD stamp duty HK$1,150,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,651
−HK$3,709/mo
▼ 0.25% · 3.875%
HK$70,492
−HK$1,868/mo
Today · 4.125%
HK$72,360
baseline
▲ 0.50% · 4.625%
HK$76,174
+HK$3,814/mo
Deposit HK$13.53M · loan HK$13.53M · min. income ≈ HK$144,720/mo (50% DSR)
Upfront cash ≈ HK$14.68M (deposit + AVD stamp duty HK$1,150,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,051
−HK$4,644/mo
▼ 0.25% · 3.875%
HK$76,355
−HK$2,340/mo
Today · 4.125%
HK$78,695
baseline
▲ 0.50% · 4.625%
HK$83,483
+HK$4,788/mo
Deposit HK$10.82M · loan HK$16.24M · min. income ≈ HK$157,390/mo (50% DSR)
Upfront cash ≈ HK$11.98M (deposit + AVD stamp duty HK$1,150,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,381
−HK$4,451/mo
▼ 0.25% · 3.875%
HK$84,591
−HK$2,241/mo
Today · 4.125%
HK$86,832
baseline
▲ 0.50% · 4.625%
HK$91,409
+HK$4,577/mo
Deposit HK$10.82M · loan HK$16.24M · min. income ≈ HK$173,664/mo (50% DSR)
Upfront cash ≈ HK$11.98M (deposit + AVD stamp duty HK$1,150,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,393
−HK$5,418/mo
▼ 0.25% · 3.875%
HK$89,080
−HK$2,731/mo
Today · 4.125%
HK$91,811
baseline
▲ 0.50% · 4.625%
HK$97,397
+HK$5,586/mo
Deposit HK$8.12M · loan HK$18.94M · min. income ≈ HK$183,622/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$1,150,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,111
−HK$5,193/mo
▼ 0.25% · 3.875%
HK$98,689
−HK$2,615/mo
Today · 4.125%
HK$101,304
baseline
▲ 0.50% · 4.625%
HK$106,644
+HK$5,340/mo
Deposit HK$8.12M · loan HK$18.94M · min. income ≈ HK$202,608/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$1,150,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,077
−HK$6,965/mo
▼ 0.25% · 3.875%
HK$114,532
−HK$3,510/mo
Today · 4.125%
HK$118,042
baseline
▲ 0.50% · 4.625%
HK$125,225
+HK$7,183/mo
Deposit HK$2.71M · loan HK$24.36M · min. income ≈ HK$236,084/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,150,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,572
−HK$6,676/mo
▼ 0.25% · 3.875%
HK$126,886
−HK$3,362/mo
Today · 4.125%
HK$130,248
baseline
▲ 0.50% · 4.625%
HK$137,114
+HK$6,866/mo
Deposit HK$2.71M · loan HK$24.36M · min. income ≈ HK$260,496/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,150,155 · Scale 2, in force from 26 Feb 2026)