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$62,045
−HK$3,891/mo
▼ 0.25% · 3.875%
HK$63,975
−HK$1,961/mo
Today · 4.125%
HK$65,936
baseline
▲ 0.50% · 4.625%
HK$69,948
+HK$4,012/mo
Deposit HK$13.60M · loan HK$13.60M · min. income ≈ HK$131,872/mo (50% DSR)
Upfront cash ≈ HK$14.76M (deposit + AVD stamp duty HK$1,156,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,025
−HK$3,729/mo
▼ 0.25% · 3.875%
HK$70,876
−HK$1,878/mo
Today · 4.125%
HK$72,754
baseline
▲ 0.50% · 4.625%
HK$76,589
+HK$3,835/mo
Deposit HK$13.60M · loan HK$13.60M · min. income ≈ HK$145,508/mo (50% DSR)
Upfront cash ≈ HK$14.76M (deposit + AVD stamp duty HK$1,156,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,454
−HK$4,669/mo
▼ 0.25% · 3.875%
HK$76,770
−HK$2,353/mo
Today · 4.125%
HK$79,123
baseline
▲ 0.50% · 4.625%
HK$83,937
+HK$4,814/mo
Deposit HK$10.88M · loan HK$16.33M · min. income ≈ HK$158,246/mo (50% DSR)
Upfront cash ≈ HK$12.04M (deposit + AVD stamp duty HK$1,156,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,829
−HK$4,475/mo
▼ 0.25% · 3.875%
HK$85,051
−HK$2,253/mo
Today · 4.125%
HK$87,304
baseline
▲ 0.50% · 4.625%
HK$91,906
+HK$4,602/mo
Deposit HK$10.88M · loan HK$16.33M · min. income ≈ HK$174,608/mo (50% DSR)
Upfront cash ≈ HK$12.04M (deposit + AVD stamp duty HK$1,156,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,863
−HK$5,447/mo
▼ 0.25% · 3.875%
HK$89,565
−HK$2,745/mo
Today · 4.125%
HK$92,310
baseline
▲ 0.50% · 4.625%
HK$97,927
+HK$5,617/mo
Deposit HK$8.16M · loan HK$19.05M · min. income ≈ HK$184,620/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$1,156,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,634
−HK$5,221/mo
▼ 0.25% · 3.875%
HK$99,226
−HK$2,629/mo
Today · 4.125%
HK$101,855
baseline
▲ 0.50% · 4.625%
HK$107,224
+HK$5,369/mo
Deposit HK$8.16M · loan HK$19.05M · min. income ≈ HK$203,710/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$1,156,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,681
−HK$7,003/mo
▼ 0.25% · 3.875%
HK$115,155
−HK$3,529/mo
Today · 4.125%
HK$118,684
baseline
▲ 0.50% · 4.625%
HK$125,906
+HK$7,222/mo
Deposit HK$2.72M · loan HK$24.49M · min. income ≈ HK$237,368/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,156,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,244
−HK$6,713/mo
▼ 0.25% · 3.875%
HK$127,576
−HK$3,381/mo
Today · 4.125%
HK$130,957
baseline
▲ 0.50% · 4.625%
HK$137,860
+HK$6,903/mo
Deposit HK$2.72M · loan HK$24.49M · min. income ≈ HK$261,914/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,156,412 · Scale 2, in force from 26 Feb 2026)