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$62,311
−HK$3,908/mo
▼ 0.25% · 3.875%
HK$64,250
−HK$1,969/mo
Today · 4.125%
HK$66,219
baseline
▲ 0.50% · 4.625%
HK$70,248
+HK$4,029/mo
Deposit HK$13.66M · loan HK$13.66M · min. income ≈ HK$132,438/mo (50% DSR)
Upfront cash ≈ HK$14.82M (deposit + AVD stamp duty HK$1,161,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,321
−HK$3,745/mo
▼ 0.25% · 3.875%
HK$71,180
−HK$1,886/mo
Today · 4.125%
HK$73,066
baseline
▲ 0.50% · 4.625%
HK$76,917
+HK$3,851/mo
Deposit HK$13.66M · loan HK$13.66M · min. income ≈ HK$146,132/mo (50% DSR)
Upfront cash ≈ HK$14.82M (deposit + AVD stamp duty HK$1,161,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,774
−HK$4,689/mo
▼ 0.25% · 3.875%
HK$77,100
−HK$2,363/mo
Today · 4.125%
HK$79,463
baseline
▲ 0.50% · 4.625%
HK$84,298
+HK$4,835/mo
Deposit HK$10.93M · loan HK$16.40M · min. income ≈ HK$158,926/mo (50% DSR)
Upfront cash ≈ HK$12.09M (deposit + AVD stamp duty HK$1,161,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,185
−HK$4,494/mo
▼ 0.25% · 3.875%
HK$85,416
−HK$2,263/mo
Today · 4.125%
HK$87,679
baseline
▲ 0.50% · 4.625%
HK$92,301
+HK$4,622/mo
Deposit HK$10.93M · loan HK$16.40M · min. income ≈ HK$175,358/mo (50% DSR)
Upfront cash ≈ HK$12.09M (deposit + AVD stamp duty HK$1,161,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,236
−HK$5,470/mo
▼ 0.25% · 3.875%
HK$89,950
−HK$2,756/mo
Today · 4.125%
HK$92,706
baseline
▲ 0.50% · 4.625%
HK$98,347
+HK$5,641/mo
Deposit HK$8.20M · loan HK$19.13M · min. income ≈ HK$185,412/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$1,161,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,049
−HK$5,243/mo
▼ 0.25% · 3.875%
HK$99,652
−HK$2,640/mo
Today · 4.125%
HK$102,292
baseline
▲ 0.50% · 4.625%
HK$107,684
+HK$5,392/mo
Deposit HK$8.20M · loan HK$19.13M · min. income ≈ HK$204,584/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$1,161,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,161
−HK$7,033/mo
▼ 0.25% · 3.875%
HK$115,649
−HK$3,545/mo
Today · 4.125%
HK$119,194
baseline
▲ 0.50% · 4.625%
HK$126,447
+HK$7,253/mo
Deposit HK$2.73M · loan HK$24.59M · min. income ≈ HK$238,388/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,161,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,778
−HK$6,741/mo
▼ 0.25% · 3.875%
HK$128,124
−HK$3,395/mo
Today · 4.125%
HK$131,519
baseline
▲ 0.50% · 4.625%
HK$138,451
+HK$6,932/mo
Deposit HK$2.73M · loan HK$24.59M · min. income ≈ HK$263,038/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,161,377 · Scale 2, in force from 26 Feb 2026)