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$62,284
−HK$3,906/mo
▼ 0.25% · 3.875%
HK$64,221
−HK$1,969/mo
Today · 4.125%
HK$66,190
baseline
▲ 0.50% · 4.625%
HK$70,217
+HK$4,027/mo
Deposit HK$13.66M · loan HK$13.66M · min. income ≈ HK$132,380/mo (50% DSR)
Upfront cash ≈ HK$14.82M (deposit + AVD stamp duty HK$1,160,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,290
−HK$3,744/mo
▼ 0.25% · 3.875%
HK$71,148
−HK$1,886/mo
Today · 4.125%
HK$73,034
baseline
▲ 0.50% · 4.625%
HK$76,883
+HK$3,849/mo
Deposit HK$13.66M · loan HK$13.66M · min. income ≈ HK$146,068/mo (50% DSR)
Upfront cash ≈ HK$14.82M (deposit + AVD stamp duty HK$1,160,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,741
−HK$4,686/mo
▼ 0.25% · 3.875%
HK$77,065
−HK$2,362/mo
Today · 4.125%
HK$79,427
baseline
▲ 0.50% · 4.625%
HK$84,260
+HK$4,833/mo
Deposit HK$10.93M · loan HK$16.39M · min. income ≈ HK$158,854/mo (50% DSR)
Upfront cash ≈ HK$12.09M (deposit + AVD stamp duty HK$1,160,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,148
−HK$4,492/mo
▼ 0.25% · 3.875%
HK$85,378
−HK$2,262/mo
Today · 4.125%
HK$87,640
baseline
▲ 0.50% · 4.625%
HK$92,260
+HK$4,620/mo
Deposit HK$10.93M · loan HK$16.39M · min. income ≈ HK$175,280/mo (50% DSR)
Upfront cash ≈ HK$12.09M (deposit + AVD stamp duty HK$1,160,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,197
−HK$5,468/mo
▼ 0.25% · 3.875%
HK$89,910
−HK$2,755/mo
Today · 4.125%
HK$92,665
baseline
▲ 0.50% · 4.625%
HK$98,304
+HK$5,639/mo
Deposit HK$8.19M · loan HK$19.12M · min. income ≈ HK$185,330/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$1,160,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,006
−HK$5,241/mo
▼ 0.25% · 3.875%
HK$99,608
−HK$2,639/mo
Today · 4.125%
HK$102,247
baseline
▲ 0.50% · 4.625%
HK$107,637
+HK$5,390/mo
Deposit HK$8.19M · loan HK$19.12M · min. income ≈ HK$204,494/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$1,160,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,111
−HK$7,030/mo
▼ 0.25% · 3.875%
HK$115,598
−HK$3,543/mo
Today · 4.125%
HK$119,141
baseline
▲ 0.50% · 4.625%
HK$126,391
+HK$7,250/mo
Deposit HK$2.73M · loan HK$24.58M · min. income ≈ HK$238,282/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,160,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,722
−HK$6,738/mo
▼ 0.25% · 3.875%
HK$128,067
−HK$3,393/mo
Today · 4.125%
HK$131,460
baseline
▲ 0.50% · 4.625%
HK$138,390
+HK$6,930/mo
Deposit HK$2.73M · loan HK$24.58M · min. income ≈ HK$262,920/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,160,861 · Scale 2, in force from 26 Feb 2026)