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$61,600
−HK$3,862/mo
▼ 0.25% · 3.875%
HK$63,516
−HK$1,946/mo
Today · 4.125%
HK$65,462
baseline
▲ 0.50% · 4.625%
HK$69,446
+HK$3,984/mo
Deposit HK$13.51M · loan HK$13.51M · min. income ≈ HK$130,924/mo (50% DSR)
Upfront cash ≈ HK$14.66M (deposit + AVD stamp duty HK$1,148,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,529
−HK$3,702/mo
▼ 0.25% · 3.875%
HK$70,367
−HK$1,864/mo
Today · 4.125%
HK$72,231
baseline
▲ 0.50% · 4.625%
HK$76,039
+HK$3,808/mo
Deposit HK$13.51M · loan HK$13.51M · min. income ≈ HK$144,462/mo (50% DSR)
Upfront cash ≈ HK$14.66M (deposit + AVD stamp duty HK$1,148,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,920
−HK$4,635/mo
▼ 0.25% · 3.875%
HK$76,219
−HK$2,336/mo
Today · 4.125%
HK$78,555
baseline
▲ 0.50% · 4.625%
HK$83,335
+HK$4,780/mo
Deposit HK$10.81M · loan HK$16.21M · min. income ≈ HK$157,110/mo (50% DSR)
Upfront cash ≈ HK$11.95M (deposit + AVD stamp duty HK$1,148,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,235
−HK$4,443/mo
▼ 0.25% · 3.875%
HK$84,440
−HK$2,238/mo
Today · 4.125%
HK$86,678
baseline
▲ 0.50% · 4.625%
HK$91,247
+HK$4,569/mo
Deposit HK$10.81M · loan HK$16.21M · min. income ≈ HK$173,356/mo (50% DSR)
Upfront cash ≈ HK$11.95M (deposit + AVD stamp duty HK$1,148,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,239
−HK$5,408/mo
▼ 0.25% · 3.875%
HK$88,922
−HK$2,725/mo
Today · 4.125%
HK$91,647
baseline
▲ 0.50% · 4.625%
HK$97,224
+HK$5,577/mo
Deposit HK$8.10M · loan HK$18.91M · min. income ≈ HK$183,294/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$1,148,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,941
−HK$5,183/mo
▼ 0.25% · 3.875%
HK$98,514
−HK$2,610/mo
Today · 4.125%
HK$101,124
baseline
▲ 0.50% · 4.625%
HK$106,454
+HK$5,330/mo
Deposit HK$8.10M · loan HK$18.91M · min. income ≈ HK$202,248/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$1,148,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,879
−HK$6,953/mo
▼ 0.25% · 3.875%
HK$114,328
−HK$3,504/mo
Today · 4.125%
HK$117,832
baseline
▲ 0.50% · 4.625%
HK$125,002
+HK$7,170/mo
Deposit HK$2.70M · loan HK$24.31M · min. income ≈ HK$235,664/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,148,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,352
−HK$6,664/mo
▼ 0.25% · 3.875%
HK$126,660
−HK$3,356/mo
Today · 4.125%
HK$130,016
baseline
▲ 0.50% · 4.625%
HK$136,870
+HK$6,854/mo
Deposit HK$2.70M · loan HK$24.31M · min. income ≈ HK$260,032/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,148,110 · Scale 2, in force from 26 Feb 2026)