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$62,141
−HK$3,897/mo
▼ 0.25% · 3.875%
HK$64,074
−HK$1,964/mo
Today · 4.125%
HK$66,038
baseline
▲ 0.50% · 4.625%
HK$70,056
+HK$4,018/mo
Deposit HK$13.63M · loan HK$13.63M · min. income ≈ HK$132,076/mo (50% DSR)
Upfront cash ≈ HK$14.78M (deposit + AVD stamp duty HK$1,158,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,131
−HK$3,735/mo
▼ 0.25% · 3.875%
HK$70,985
−HK$1,881/mo
Today · 4.125%
HK$72,866
baseline
▲ 0.50% · 4.625%
HK$76,707
+HK$3,841/mo
Deposit HK$13.63M · loan HK$13.63M · min. income ≈ HK$145,732/mo (50% DSR)
Upfront cash ≈ HK$14.78M (deposit + AVD stamp duty HK$1,158,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,569
−HK$4,676/mo
▼ 0.25% · 3.875%
HK$76,889
−HK$2,356/mo
Today · 4.125%
HK$79,245
baseline
▲ 0.50% · 4.625%
HK$84,067
+HK$4,822/mo
Deposit HK$10.90M · loan HK$16.35M · min. income ≈ HK$158,490/mo (50% DSR)
Upfront cash ≈ HK$12.06M (deposit + AVD stamp duty HK$1,158,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,958
−HK$4,482/mo
▼ 0.25% · 3.875%
HK$85,183
−HK$2,257/mo
Today · 4.125%
HK$87,440
baseline
▲ 0.50% · 4.625%
HK$92,049
+HK$4,609/mo
Deposit HK$10.90M · loan HK$16.35M · min. income ≈ HK$174,880/mo (50% DSR)
Upfront cash ≈ HK$12.06M (deposit + AVD stamp duty HK$1,158,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,998
−HK$5,455/mo
▼ 0.25% · 3.875%
HK$89,704
−HK$2,749/mo
Today · 4.125%
HK$92,453
baseline
▲ 0.50% · 4.625%
HK$98,079
+HK$5,626/mo
Deposit HK$8.18M · loan HK$19.08M · min. income ≈ HK$184,906/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$1,158,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,784
−HK$5,229/mo
▼ 0.25% · 3.875%
HK$99,380
−HK$2,633/mo
Today · 4.125%
HK$102,013
baseline
▲ 0.50% · 4.625%
HK$107,390
+HK$5,377/mo
Deposit HK$8.18M · loan HK$19.08M · min. income ≈ HK$204,026/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$1,158,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,854
−HK$7,014/mo
▼ 0.25% · 3.875%
HK$115,333
−HK$3,535/mo
Today · 4.125%
HK$118,868
baseline
▲ 0.50% · 4.625%
HK$126,101
+HK$7,233/mo
Deposit HK$2.73M · loan HK$24.53M · min. income ≈ HK$237,736/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,158,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,436
−HK$6,723/mo
▼ 0.25% · 3.875%
HK$127,774
−HK$3,385/mo
Today · 4.125%
HK$131,159
baseline
▲ 0.50% · 4.625%
HK$138,073
+HK$6,914/mo
Deposit HK$2.73M · loan HK$24.53M · min. income ≈ HK$262,318/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,158,202 · Scale 2, in force from 26 Feb 2026)