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$63,530
−HK$3,984/mo
▼ 0.25% · 3.875%
HK$65,506
−HK$2,008/mo
Today · 4.125%
HK$67,514
baseline
▲ 0.50% · 4.625%
HK$71,622
+HK$4,108/mo
Deposit HK$13.93M · loan HK$13.93M · min. income ≈ HK$135,028/mo (50% DSR)
Upfront cash ≈ HK$15.11M (deposit + AVD stamp duty HK$1,184,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,676
−HK$3,819/mo
▼ 0.25% · 3.875%
HK$72,572
−HK$1,923/mo
Today · 4.125%
HK$74,495
baseline
▲ 0.50% · 4.625%
HK$78,422
+HK$3,927/mo
Deposit HK$13.93M · loan HK$13.93M · min. income ≈ HK$148,990/mo (50% DSR)
Upfront cash ≈ HK$15.11M (deposit + AVD stamp duty HK$1,184,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,236
−HK$4,781/mo
▼ 0.25% · 3.875%
HK$78,607
−HK$2,410/mo
Today · 4.125%
HK$81,017
baseline
▲ 0.50% · 4.625%
HK$85,946
+HK$4,929/mo
Deposit HK$11.14M · loan HK$16.72M · min. income ≈ HK$162,034/mo (50% DSR)
Upfront cash ≈ HK$12.33M (deposit + AVD stamp duty HK$1,184,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,812
−HK$4,582/mo
▼ 0.25% · 3.875%
HK$87,086
−HK$2,308/mo
Today · 4.125%
HK$89,394
baseline
▲ 0.50% · 4.625%
HK$94,106
+HK$4,712/mo
Deposit HK$11.14M · loan HK$16.72M · min. income ≈ HK$178,788/mo (50% DSR)
Upfront cash ≈ HK$12.33M (deposit + AVD stamp duty HK$1,184,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,942
−HK$5,577/mo
▼ 0.25% · 3.875%
HK$91,708
−HK$2,811/mo
Today · 4.125%
HK$94,519
baseline
▲ 0.50% · 4.625%
HK$100,271
+HK$5,752/mo
Deposit HK$8.36M · loan HK$19.50M · min. income ≈ HK$189,038/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$1,184,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,947
−HK$5,346/mo
▼ 0.25% · 3.875%
HK$101,601
−HK$2,692/mo
Today · 4.125%
HK$104,293
baseline
▲ 0.50% · 4.625%
HK$109,790
+HK$5,497/mo
Deposit HK$8.36M · loan HK$19.50M · min. income ≈ HK$208,586/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$1,184,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,354
−HK$7,171/mo
▼ 0.25% · 3.875%
HK$117,911
−HK$3,614/mo
Today · 4.125%
HK$121,525
baseline
▲ 0.50% · 4.625%
HK$128,919
+HK$7,394/mo
Deposit HK$2.79M · loan HK$25.07M · min. income ≈ HK$243,050/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,184,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,217
−HK$6,874/mo
▼ 0.25% · 3.875%
HK$130,629
−HK$3,462/mo
Today · 4.125%
HK$134,091
baseline
▲ 0.50% · 4.625%
HK$141,159
+HK$7,068/mo
Deposit HK$2.79M · loan HK$25.07M · min. income ≈ HK$268,182/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,184,087 · Scale 2, in force from 26 Feb 2026)