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$61,969
−HK$3,886/mo
▼ 0.25% · 3.875%
HK$63,897
−HK$1,958/mo
Today · 4.125%
HK$65,855
baseline
▲ 0.50% · 4.625%
HK$69,862
+HK$4,007/mo
Deposit HK$13.59M · loan HK$13.59M · min. income ≈ HK$131,710/mo (50% DSR)
Upfront cash ≈ HK$14.74M (deposit + AVD stamp duty HK$1,154,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,940
−HK$3,725/mo
▼ 0.25% · 3.875%
HK$70,789
−HK$1,876/mo
Today · 4.125%
HK$72,665
baseline
▲ 0.50% · 4.625%
HK$76,495
+HK$3,830/mo
Deposit HK$13.59M · loan HK$13.59M · min. income ≈ HK$145,330/mo (50% DSR)
Upfront cash ≈ HK$14.74M (deposit + AVD stamp duty HK$1,154,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,363
−HK$4,663/mo
▼ 0.25% · 3.875%
HK$76,676
−HK$2,350/mo
Today · 4.125%
HK$79,026
baseline
▲ 0.50% · 4.625%
HK$83,835
+HK$4,809/mo
Deposit HK$10.87M · loan HK$16.31M · min. income ≈ HK$158,052/mo (50% DSR)
Upfront cash ≈ HK$12.03M (deposit + AVD stamp duty HK$1,154,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,728
−HK$4,469/mo
▼ 0.25% · 3.875%
HK$84,947
−HK$2,250/mo
Today · 4.125%
HK$87,197
baseline
▲ 0.50% · 4.625%
HK$91,794
+HK$4,597/mo
Deposit HK$10.87M · loan HK$16.31M · min. income ≈ HK$174,394/mo (50% DSR)
Upfront cash ≈ HK$12.03M (deposit + AVD stamp duty HK$1,154,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,757
−HK$5,440/mo
▼ 0.25% · 3.875%
HK$89,455
−HK$2,742/mo
Today · 4.125%
HK$92,197
baseline
▲ 0.50% · 4.625%
HK$97,807
+HK$5,610/mo
Deposit HK$8.15M · loan HK$19.02M · min. income ≈ HK$184,394/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$1,154,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,516
−HK$5,214/mo
▼ 0.25% · 3.875%
HK$99,104
−HK$2,626/mo
Today · 4.125%
HK$101,730
baseline
▲ 0.50% · 4.625%
HK$107,093
+HK$5,363/mo
Deposit HK$8.15M · loan HK$19.02M · min. income ≈ HK$203,460/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$1,154,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,544
−HK$6,995/mo
▼ 0.25% · 3.875%
HK$115,014
−HK$3,525/mo
Today · 4.125%
HK$118,539
baseline
▲ 0.50% · 4.625%
HK$125,752
+HK$7,213/mo
Deposit HK$2.72M · loan HK$24.46M · min. income ≈ HK$237,078/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,154,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,092
−HK$6,704/mo
▼ 0.25% · 3.875%
HK$127,420
−HK$3,376/mo
Today · 4.125%
HK$130,796
baseline
▲ 0.50% · 4.625%
HK$137,691
+HK$6,895/mo
Deposit HK$2.72M · loan HK$24.46M · min. income ≈ HK$261,592/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,154,995 · Scale 2, in force from 26 Feb 2026)