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$61,172
−HK$3,835/mo
▼ 0.25% · 3.875%
HK$63,074
−HK$1,933/mo
Today · 4.125%
HK$65,007
baseline
▲ 0.50% · 4.625%
HK$68,963
+HK$3,956/mo
Deposit HK$13.41M · loan HK$13.41M · min. income ≈ HK$130,014/mo (50% DSR)
Upfront cash ≈ HK$14.55M (deposit + AVD stamp duty HK$1,140,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,053
−HK$3,676/mo
▼ 0.25% · 3.875%
HK$69,878
−HK$1,851/mo
Today · 4.125%
HK$71,729
baseline
▲ 0.50% · 4.625%
HK$75,510
+HK$3,781/mo
Deposit HK$13.41M · loan HK$13.41M · min. income ≈ HK$143,458/mo (50% DSR)
Upfront cash ≈ HK$14.55M (deposit + AVD stamp duty HK$1,140,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,406
−HK$4,603/mo
▼ 0.25% · 3.875%
HK$75,689
−HK$2,320/mo
Today · 4.125%
HK$78,009
baseline
▲ 0.50% · 4.625%
HK$82,756
+HK$4,747/mo
Deposit HK$10.73M · loan HK$16.10M · min. income ≈ HK$156,018/mo (50% DSR)
Upfront cash ≈ HK$11.87M (deposit + AVD stamp duty HK$1,140,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,663
−HK$4,412/mo
▼ 0.25% · 3.875%
HK$83,853
−HK$2,222/mo
Today · 4.125%
HK$86,075
baseline
▲ 0.50% · 4.625%
HK$90,612
+HK$4,537/mo
Deposit HK$10.73M · loan HK$16.10M · min. income ≈ HK$172,150/mo (50% DSR)
Upfront cash ≈ HK$11.87M (deposit + AVD stamp duty HK$1,140,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,640
−HK$5,370/mo
▼ 0.25% · 3.875%
HK$88,304
−HK$2,706/mo
Today · 4.125%
HK$91,010
baseline
▲ 0.50% · 4.625%
HK$96,548
+HK$5,538/mo
Deposit HK$8.05M · loan HK$18.78M · min. income ≈ HK$182,020/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$1,140,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,274
−HK$5,147/mo
▼ 0.25% · 3.875%
HK$97,829
−HK$2,592/mo
Today · 4.125%
HK$100,421
baseline
▲ 0.50% · 4.625%
HK$105,714
+HK$5,293/mo
Deposit HK$8.05M · loan HK$18.78M · min. income ≈ HK$200,842/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$1,140,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,109
−HK$6,904/mo
▼ 0.25% · 3.875%
HK$113,534
−HK$3,479/mo
Today · 4.125%
HK$117,013
baseline
▲ 0.50% · 4.625%
HK$124,133
+HK$7,120/mo
Deposit HK$2.68M · loan HK$24.14M · min. income ≈ HK$234,026/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,140,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,495
−HK$6,618/mo
▼ 0.25% · 3.875%
HK$125,780
−HK$3,333/mo
Today · 4.125%
HK$129,113
baseline
▲ 0.50% · 4.625%
HK$135,919
+HK$6,806/mo
Deposit HK$2.68M · loan HK$24.14M · min. income ≈ HK$258,226/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,140,130 · Scale 2, in force from 26 Feb 2026)