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$63,771
−HK$3,999/mo
▼ 0.25% · 3.875%
HK$65,755
−HK$2,015/mo
Today · 4.125%
HK$67,770
baseline
▲ 0.50% · 4.625%
HK$71,894
+HK$4,124/mo
Deposit HK$13.98M · loan HK$13.98M · min. income ≈ HK$135,540/mo (50% DSR)
Upfront cash ≈ HK$15.17M (deposit + AVD stamp duty HK$1,188,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,945
−HK$3,833/mo
▼ 0.25% · 3.875%
HK$72,848
−HK$1,930/mo
Today · 4.125%
HK$74,778
baseline
▲ 0.50% · 4.625%
HK$78,720
+HK$3,942/mo
Deposit HK$13.98M · loan HK$13.98M · min. income ≈ HK$149,556/mo (50% DSR)
Upfront cash ≈ HK$15.17M (deposit + AVD stamp duty HK$1,188,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,526
−HK$4,799/mo
▼ 0.25% · 3.875%
HK$78,906
−HK$2,419/mo
Today · 4.125%
HK$81,325
baseline
▲ 0.50% · 4.625%
HK$86,273
+HK$4,948/mo
Deposit HK$11.19M · loan HK$16.78M · min. income ≈ HK$162,650/mo (50% DSR)
Upfront cash ≈ HK$12.38M (deposit + AVD stamp duty HK$1,188,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,134
−HK$4,600/mo
▼ 0.25% · 3.875%
HK$87,417
−HK$2,317/mo
Today · 4.125%
HK$89,734
baseline
▲ 0.50% · 4.625%
HK$94,464
+HK$4,730/mo
Deposit HK$11.19M · loan HK$16.78M · min. income ≈ HK$179,468/mo (50% DSR)
Upfront cash ≈ HK$12.38M (deposit + AVD stamp duty HK$1,188,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,280
−HK$5,599/mo
▼ 0.25% · 3.875%
HK$92,057
−HK$2,822/mo
Today · 4.125%
HK$94,879
baseline
▲ 0.50% · 4.625%
HK$100,652
+HK$5,773/mo
Deposit HK$8.39M · loan HK$19.58M · min. income ≈ HK$189,758/mo (50% DSR)
Upfront cash ≈ HK$9.58M (deposit + AVD stamp duty HK$1,188,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,323
−HK$5,366/mo
▼ 0.25% · 3.875%
HK$101,987
−HK$2,702/mo
Today · 4.125%
HK$104,689
baseline
▲ 0.50% · 4.625%
HK$110,207
+HK$5,518/mo
Deposit HK$8.39M · loan HK$19.58M · min. income ≈ HK$209,378/mo (50% DSR)
Upfront cash ≈ HK$9.58M (deposit + AVD stamp duty HK$1,188,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,789
−HK$7,198/mo
▼ 0.25% · 3.875%
HK$118,359
−HK$3,628/mo
Today · 4.125%
HK$121,987
baseline
▲ 0.50% · 4.625%
HK$129,409
+HK$7,422/mo
Deposit HK$2.80M · loan HK$25.17M · min. income ≈ HK$243,974/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$1,188,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,701
−HK$6,899/mo
▼ 0.25% · 3.875%
HK$131,126
−HK$3,474/mo
Today · 4.125%
HK$134,600
baseline
▲ 0.50% · 4.625%
HK$141,695
+HK$7,095/mo
Deposit HK$2.80M · loan HK$25.17M · min. income ≈ HK$269,200/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$1,188,588 · Scale 2, in force from 26 Feb 2026)