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$63,390
−HK$3,975/mo
▼ 0.25% · 3.875%
HK$65,362
−HK$2,003/mo
Today · 4.125%
HK$67,365
baseline
▲ 0.50% · 4.625%
HK$71,464
+HK$4,099/mo
Deposit HK$13.90M · loan HK$13.90M · min. income ≈ HK$134,730/mo (50% DSR)
Upfront cash ≈ HK$15.08M (deposit + AVD stamp duty HK$1,181,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,521
−HK$3,810/mo
▼ 0.25% · 3.875%
HK$72,412
−HK$1,919/mo
Today · 4.125%
HK$74,331
baseline
▲ 0.50% · 4.625%
HK$78,249
+HK$3,918/mo
Deposit HK$13.90M · loan HK$13.90M · min. income ≈ HK$148,662/mo (50% DSR)
Upfront cash ≈ HK$15.08M (deposit + AVD stamp duty HK$1,181,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,068
−HK$4,770/mo
▼ 0.25% · 3.875%
HK$78,434
−HK$2,404/mo
Today · 4.125%
HK$80,838
baseline
▲ 0.50% · 4.625%
HK$85,757
+HK$4,919/mo
Deposit HK$11.12M · loan HK$16.68M · min. income ≈ HK$161,676/mo (50% DSR)
Upfront cash ≈ HK$12.30M (deposit + AVD stamp duty HK$1,181,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,625
−HK$4,572/mo
▼ 0.25% · 3.875%
HK$86,895
−HK$2,302/mo
Today · 4.125%
HK$89,197
baseline
▲ 0.50% · 4.625%
HK$93,899
+HK$4,702/mo
Deposit HK$11.12M · loan HK$16.68M · min. income ≈ HK$178,394/mo (50% DSR)
Upfront cash ≈ HK$12.30M (deposit + AVD stamp duty HK$1,181,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,746
−HK$5,565/mo
▼ 0.25% · 3.875%
HK$91,507
−HK$2,804/mo
Today · 4.125%
HK$94,311
baseline
▲ 0.50% · 4.625%
HK$100,050
+HK$5,739/mo
Deposit HK$8.34M · loan HK$19.46M · min. income ≈ HK$188,622/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$1,181,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,729
−HK$5,334/mo
▼ 0.25% · 3.875%
HK$101,377
−HK$2,686/mo
Today · 4.125%
HK$104,063
baseline
▲ 0.50% · 4.625%
HK$109,548
+HK$5,485/mo
Deposit HK$8.34M · loan HK$19.46M · min. income ≈ HK$208,126/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$1,181,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,102
−HK$7,155/mo
▼ 0.25% · 3.875%
HK$117,651
−HK$3,606/mo
Today · 4.125%
HK$121,257
baseline
▲ 0.50% · 4.625%
HK$128,636
+HK$7,379/mo
Deposit HK$2.78M · loan HK$25.02M · min. income ≈ HK$242,514/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$1,181,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,937
−HK$6,858/mo
▼ 0.25% · 3.875%
HK$130,342
−HK$3,453/mo
Today · 4.125%
HK$133,795
baseline
▲ 0.50% · 4.625%
HK$140,848
+HK$7,053/mo
Deposit HK$2.78M · loan HK$25.02M · min. income ≈ HK$267,590/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$1,181,480 · Scale 2, in force from 26 Feb 2026)