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$61,404
−HK$3,851/mo
▼ 0.25% · 3.875%
HK$63,314
−HK$1,941/mo
Today · 4.125%
HK$65,255
baseline
▲ 0.50% · 4.625%
HK$69,225
+HK$3,970/mo
Deposit HK$13.46M · loan HK$13.46M · min. income ≈ HK$130,510/mo (50% DSR)
Upfront cash ≈ HK$14.61M (deposit + AVD stamp duty HK$1,144,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,311
−HK$3,691/mo
▼ 0.25% · 3.875%
HK$70,143
−HK$1,859/mo
Today · 4.125%
HK$72,002
baseline
▲ 0.50% · 4.625%
HK$75,797
+HK$3,795/mo
Deposit HK$13.46M · loan HK$13.46M · min. income ≈ HK$144,004/mo (50% DSR)
Upfront cash ≈ HK$14.61M (deposit + AVD stamp duty HK$1,144,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,685
−HK$4,621/mo
▼ 0.25% · 3.875%
HK$75,977
−HK$2,329/mo
Today · 4.125%
HK$78,306
baseline
▲ 0.50% · 4.625%
HK$83,070
+HK$4,764/mo
Deposit HK$10.77M · loan HK$16.16M · min. income ≈ HK$156,612/mo (50% DSR)
Upfront cash ≈ HK$11.92M (deposit + AVD stamp duty HK$1,144,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,974
−HK$4,428/mo
▼ 0.25% · 3.875%
HK$84,172
−HK$2,230/mo
Today · 4.125%
HK$86,402
baseline
▲ 0.50% · 4.625%
HK$90,957
+HK$4,555/mo
Deposit HK$10.77M · loan HK$16.16M · min. income ≈ HK$172,804/mo (50% DSR)
Upfront cash ≈ HK$11.92M (deposit + AVD stamp duty HK$1,144,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,966
−HK$5,390/mo
▼ 0.25% · 3.875%
HK$88,640
−HK$2,716/mo
Today · 4.125%
HK$91,356
baseline
▲ 0.50% · 4.625%
HK$96,915
+HK$5,559/mo
Deposit HK$8.08M · loan HK$18.85M · min. income ≈ HK$182,712/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$1,144,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,636
−HK$5,167/mo
▼ 0.25% · 3.875%
HK$98,201
−HK$2,602/mo
Today · 4.125%
HK$100,803
baseline
▲ 0.50% · 4.625%
HK$106,116
+HK$5,313/mo
Deposit HK$8.08M · loan HK$18.85M · min. income ≈ HK$201,606/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$1,144,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,527
−HK$6,931/mo
▼ 0.25% · 3.875%
HK$113,965
−HK$3,493/mo
Today · 4.125%
HK$117,458
baseline
▲ 0.50% · 4.625%
HK$124,605
+HK$7,147/mo
Deposit HK$2.69M · loan HK$24.24M · min. income ≈ HK$234,916/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,144,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,960
−HK$6,644/mo
▼ 0.25% · 3.875%
HK$126,258
−HK$3,346/mo
Today · 4.125%
HK$129,604
baseline
▲ 0.50% · 4.625%
HK$136,435
+HK$6,831/mo
Deposit HK$2.69M · loan HK$24.24M · min. income ≈ HK$259,208/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,144,464 · Scale 2, in force from 26 Feb 2026)