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$63,080
−HK$3,956/mo
▼ 0.25% · 3.875%
HK$65,043
−HK$1,993/mo
Today · 4.125%
HK$67,036
baseline
▲ 0.50% · 4.625%
HK$71,115
+HK$4,079/mo
Deposit HK$13.83M · loan HK$13.83M · min. income ≈ HK$134,072/mo (50% DSR)
Upfront cash ≈ HK$15.01M (deposit + AVD stamp duty HK$1,175,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,176
−HK$3,792/mo
▼ 0.25% · 3.875%
HK$72,058
−HK$1,910/mo
Today · 4.125%
HK$73,968
baseline
▲ 0.50% · 4.625%
HK$77,867
+HK$3,899/mo
Deposit HK$13.83M · loan HK$13.83M · min. income ≈ HK$147,936/mo (50% DSR)
Upfront cash ≈ HK$15.01M (deposit + AVD stamp duty HK$1,175,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,696
−HK$4,747/mo
▼ 0.25% · 3.875%
HK$78,051
−HK$2,392/mo
Today · 4.125%
HK$80,443
baseline
▲ 0.50% · 4.625%
HK$85,338
+HK$4,895/mo
Deposit HK$11.07M · loan HK$16.60M · min. income ≈ HK$160,886/mo (50% DSR)
Upfront cash ≈ HK$12.24M (deposit + AVD stamp duty HK$1,175,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,212
−HK$4,549/mo
▼ 0.25% · 3.875%
HK$86,470
−HK$2,291/mo
Today · 4.125%
HK$88,761
baseline
▲ 0.50% · 4.625%
HK$93,440
+HK$4,679/mo
Deposit HK$11.07M · loan HK$16.60M · min. income ≈ HK$177,522/mo (50% DSR)
Upfront cash ≈ HK$12.24M (deposit + AVD stamp duty HK$1,175,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,313
−HK$5,537/mo
▼ 0.25% · 3.875%
HK$91,060
−HK$2,790/mo
Today · 4.125%
HK$93,850
baseline
▲ 0.50% · 4.625%
HK$99,561
+HK$5,711/mo
Deposit HK$8.30M · loan HK$19.36M · min. income ≈ HK$187,700/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$1,175,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,247
−HK$5,308/mo
▼ 0.25% · 3.875%
HK$100,882
−HK$2,673/mo
Today · 4.125%
HK$103,555
baseline
▲ 0.50% · 4.625%
HK$109,013
+HK$5,458/mo
Deposit HK$8.30M · loan HK$19.36M · min. income ≈ HK$207,110/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$1,175,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,545
−HK$7,120/mo
▼ 0.25% · 3.875%
HK$117,077
−HK$3,588/mo
Today · 4.125%
HK$120,665
baseline
▲ 0.50% · 4.625%
HK$128,007
+HK$7,342/mo
Deposit HK$2.77M · loan HK$24.90M · min. income ≈ HK$241,330/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,175,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,317
−HK$6,825/mo
▼ 0.25% · 3.875%
HK$129,705
−HK$3,437/mo
Today · 4.125%
HK$133,142
baseline
▲ 0.50% · 4.625%
HK$140,160
+HK$7,018/mo
Deposit HK$2.77M · loan HK$24.90M · min. income ≈ HK$266,284/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,175,708 · Scale 2, in force from 26 Feb 2026)