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$61,630
−HK$3,864/mo
▼ 0.25% · 3.875%
HK$63,547
−HK$1,947/mo
Today · 4.125%
HK$65,494
baseline
▲ 0.50% · 4.625%
HK$69,479
+HK$3,985/mo
Deposit HK$13.51M · loan HK$13.51M · min. income ≈ HK$130,988/mo (50% DSR)
Upfront cash ≈ HK$14.66M (deposit + AVD stamp duty HK$1,148,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,562
−HK$3,704/mo
▼ 0.25% · 3.875%
HK$70,401
−HK$1,865/mo
Today · 4.125%
HK$72,266
baseline
▲ 0.50% · 4.625%
HK$76,076
+HK$3,810/mo
Deposit HK$13.51M · loan HK$13.51M · min. income ≈ HK$144,532/mo (50% DSR)
Upfront cash ≈ HK$14.66M (deposit + AVD stamp duty HK$1,148,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,955
−HK$4,638/mo
▼ 0.25% · 3.875%
HK$76,256
−HK$2,337/mo
Today · 4.125%
HK$78,593
baseline
▲ 0.50% · 4.625%
HK$83,375
+HK$4,782/mo
Deposit HK$10.81M · loan HK$16.22M · min. income ≈ HK$157,186/mo (50% DSR)
Upfront cash ≈ HK$11.96M (deposit + AVD stamp duty HK$1,148,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,275
−HK$4,445/mo
▼ 0.25% · 3.875%
HK$84,481
−HK$2,239/mo
Today · 4.125%
HK$86,720
baseline
▲ 0.50% · 4.625%
HK$91,291
+HK$4,571/mo
Deposit HK$10.81M · loan HK$16.22M · min. income ≈ HK$173,440/mo (50% DSR)
Upfront cash ≈ HK$11.96M (deposit + AVD stamp duty HK$1,148,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,281
−HK$5,411/mo
▼ 0.25% · 3.875%
HK$88,965
−HK$2,727/mo
Today · 4.125%
HK$91,692
baseline
▲ 0.50% · 4.625%
HK$97,271
+HK$5,579/mo
Deposit HK$8.11M · loan HK$18.92M · min. income ≈ HK$183,384/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$1,148,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,987
−HK$5,186/mo
▼ 0.25% · 3.875%
HK$98,562
−HK$2,611/mo
Today · 4.125%
HK$101,173
baseline
▲ 0.50% · 4.625%
HK$106,506
+HK$5,333/mo
Deposit HK$8.11M · loan HK$18.92M · min. income ≈ HK$202,346/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$1,148,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,933
−HK$6,957/mo
▼ 0.25% · 3.875%
HK$114,384
−HK$3,506/mo
Today · 4.125%
HK$117,890
baseline
▲ 0.50% · 4.625%
HK$125,063
+HK$7,173/mo
Deposit HK$2.70M · loan HK$24.32M · min. income ≈ HK$235,780/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,148,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,412
−HK$6,668/mo
▼ 0.25% · 3.875%
HK$126,722
−HK$3,358/mo
Today · 4.125%
HK$130,080
baseline
▲ 0.50% · 4.625%
HK$136,936
+HK$6,856/mo
Deposit HK$2.70M · loan HK$24.32M · min. income ≈ HK$260,160/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,148,668 · Scale 2, in force from 26 Feb 2026)