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$61,073
−HK$3,829/mo
▼ 0.25% · 3.875%
HK$62,972
−HK$1,930/mo
Today · 4.125%
HK$64,902
baseline
▲ 0.50% · 4.625%
HK$68,852
+HK$3,950/mo
Deposit HK$13.39M · loan HK$13.39M · min. income ≈ HK$129,804/mo (50% DSR)
Upfront cash ≈ HK$14.53M (deposit + AVD stamp duty HK$1,138,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,943
−HK$3,670/mo
▼ 0.25% · 3.875%
HK$69,765
−HK$1,848/mo
Today · 4.125%
HK$71,613
baseline
▲ 0.50% · 4.625%
HK$75,388
+HK$3,775/mo
Deposit HK$13.39M · loan HK$13.39M · min. income ≈ HK$143,226/mo (50% DSR)
Upfront cash ≈ HK$14.53M (deposit + AVD stamp duty HK$1,138,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,287
−HK$4,596/mo
▼ 0.25% · 3.875%
HK$75,567
−HK$2,316/mo
Today · 4.125%
HK$77,883
baseline
▲ 0.50% · 4.625%
HK$82,622
+HK$4,739/mo
Deposit HK$10.71M · loan HK$16.07M · min. income ≈ HK$155,766/mo (50% DSR)
Upfront cash ≈ HK$11.85M (deposit + AVD stamp duty HK$1,138,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,531
−HK$4,405/mo
▼ 0.25% · 3.875%
HK$83,718
−HK$2,218/mo
Today · 4.125%
HK$85,936
baseline
▲ 0.50% · 4.625%
HK$90,466
+HK$4,530/mo
Deposit HK$10.71M · loan HK$16.07M · min. income ≈ HK$171,872/mo (50% DSR)
Upfront cash ≈ HK$11.85M (deposit + AVD stamp duty HK$1,138,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,502
−HK$5,361/mo
▼ 0.25% · 3.875%
HK$88,161
−HK$2,702/mo
Today · 4.125%
HK$90,863
baseline
▲ 0.50% · 4.625%
HK$96,392
+HK$5,529/mo
Deposit HK$8.03M · loan HK$18.75M · min. income ≈ HK$181,726/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$1,138,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,120
−HK$5,139/mo
▼ 0.25% · 3.875%
HK$97,671
−HK$2,588/mo
Today · 4.125%
HK$100,259
baseline
▲ 0.50% · 4.625%
HK$105,544
+HK$5,285/mo
Deposit HK$8.03M · loan HK$18.75M · min. income ≈ HK$200,518/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$1,138,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,931
−HK$6,893/mo
▼ 0.25% · 3.875%
HK$113,350
−HK$3,474/mo
Today · 4.125%
HK$116,824
baseline
▲ 0.50% · 4.625%
HK$123,933
+HK$7,109/mo
Deposit HK$2.68M · loan HK$24.10M · min. income ≈ HK$233,648/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,138,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,297
−HK$6,607/mo
▼ 0.25% · 3.875%
HK$125,577
−HK$3,327/mo
Today · 4.125%
HK$128,904
baseline
▲ 0.50% · 4.625%
HK$135,699
+HK$6,795/mo
Deposit HK$2.68M · loan HK$24.10M · min. income ≈ HK$257,808/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,138,288 · Scale 2, in force from 26 Feb 2026)