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$63,421
−HK$3,977/mo
▼ 0.25% · 3.875%
HK$65,394
−HK$2,004/mo
Today · 4.125%
HK$67,398
baseline
▲ 0.50% · 4.625%
HK$71,500
+HK$4,102/mo
Deposit HK$13.91M · loan HK$13.91M · min. income ≈ HK$134,796/mo (50% DSR)
Upfront cash ≈ HK$15.09M (deposit + AVD stamp duty HK$1,182,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,556
−HK$3,812/mo
▼ 0.25% · 3.875%
HK$72,448
−HK$1,920/mo
Today · 4.125%
HK$74,368
baseline
▲ 0.50% · 4.625%
HK$78,288
+HK$3,920/mo
Deposit HK$13.91M · loan HK$13.91M · min. income ≈ HK$148,736/mo (50% DSR)
Upfront cash ≈ HK$15.09M (deposit + AVD stamp duty HK$1,182,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,106
−HK$4,772/mo
▼ 0.25% · 3.875%
HK$78,473
−HK$2,405/mo
Today · 4.125%
HK$80,878
baseline
▲ 0.50% · 4.625%
HK$85,799
+HK$4,921/mo
Deposit HK$11.13M · loan HK$16.69M · min. income ≈ HK$161,756/mo (50% DSR)
Upfront cash ≈ HK$12.31M (deposit + AVD stamp duty HK$1,182,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,667
−HK$4,574/mo
▼ 0.25% · 3.875%
HK$86,938
−HK$2,303/mo
Today · 4.125%
HK$89,241
baseline
▲ 0.50% · 4.625%
HK$93,945
+HK$4,704/mo
Deposit HK$11.13M · loan HK$16.69M · min. income ≈ HK$178,482/mo (50% DSR)
Upfront cash ≈ HK$12.31M (deposit + AVD stamp duty HK$1,182,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,790
−HK$5,568/mo
▼ 0.25% · 3.875%
HK$91,552
−HK$2,806/mo
Today · 4.125%
HK$94,358
baseline
▲ 0.50% · 4.625%
HK$100,099
+HK$5,741/mo
Deposit HK$8.34M · loan HK$19.47M · min. income ≈ HK$188,716/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$1,182,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,778
−HK$5,337/mo
▼ 0.25% · 3.875%
HK$101,427
−HK$2,688/mo
Today · 4.125%
HK$104,115
baseline
▲ 0.50% · 4.625%
HK$109,603
+HK$5,488/mo
Deposit HK$8.34M · loan HK$19.47M · min. income ≈ HK$208,230/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$1,182,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,159
−HK$7,158/mo
▼ 0.25% · 3.875%
HK$117,709
−HK$3,608/mo
Today · 4.125%
HK$121,317
baseline
▲ 0.50% · 4.625%
HK$128,699
+HK$7,382/mo
Deposit HK$2.78M · loan HK$25.03M · min. income ≈ HK$242,634/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$1,182,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,000
−HK$6,862/mo
▼ 0.25% · 3.875%
HK$130,406
−HK$3,456/mo
Today · 4.125%
HK$133,862
baseline
▲ 0.50% · 4.625%
HK$140,918
+HK$7,056/mo
Deposit HK$2.78M · loan HK$25.03M · min. income ≈ HK$267,724/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$1,182,065 · Scale 2, in force from 26 Feb 2026)