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$61,885
−HK$3,881/mo
▼ 0.25% · 3.875%
HK$63,810
−HK$1,956/mo
Today · 4.125%
HK$65,766
baseline
▲ 0.50% · 4.625%
HK$69,767
+HK$4,001/mo
Deposit HK$13.57M · loan HK$13.57M · min. income ≈ HK$131,532/mo (50% DSR)
Upfront cash ≈ HK$14.72M (deposit + AVD stamp duty HK$1,153,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,846
−HK$3,720/mo
▼ 0.25% · 3.875%
HK$70,693
−HK$1,873/mo
Today · 4.125%
HK$72,566
baseline
▲ 0.50% · 4.625%
HK$76,391
+HK$3,825/mo
Deposit HK$13.57M · loan HK$13.57M · min. income ≈ HK$145,132/mo (50% DSR)
Upfront cash ≈ HK$14.72M (deposit + AVD stamp duty HK$1,153,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,262
−HK$4,657/mo
▼ 0.25% · 3.875%
HK$76,572
−HK$2,347/mo
Today · 4.125%
HK$78,919
baseline
▲ 0.50% · 4.625%
HK$83,721
+HK$4,802/mo
Deposit HK$10.86M · loan HK$16.28M · min. income ≈ HK$157,838/mo (50% DSR)
Upfront cash ≈ HK$12.01M (deposit + AVD stamp duty HK$1,153,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,616
−HK$4,463/mo
▼ 0.25% · 3.875%
HK$84,831
−HK$2,248/mo
Today · 4.125%
HK$87,079
baseline
▲ 0.50% · 4.625%
HK$91,669
+HK$4,590/mo
Deposit HK$10.86M · loan HK$16.28M · min. income ≈ HK$174,158/mo (50% DSR)
Upfront cash ≈ HK$12.01M (deposit + AVD stamp duty HK$1,153,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,639
−HK$5,433/mo
▼ 0.25% · 3.875%
HK$89,334
−HK$2,738/mo
Today · 4.125%
HK$92,072
baseline
▲ 0.50% · 4.625%
HK$97,674
+HK$5,602/mo
Deposit HK$8.14M · loan HK$19.00M · min. income ≈ HK$184,144/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$1,153,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,385
−HK$5,207/mo
▼ 0.25% · 3.875%
HK$98,970
−HK$2,622/mo
Today · 4.125%
HK$101,592
baseline
▲ 0.50% · 4.625%
HK$106,947
+HK$5,355/mo
Deposit HK$8.14M · loan HK$19.00M · min. income ≈ HK$203,184/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$1,153,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,393
−HK$6,985/mo
▼ 0.25% · 3.875%
HK$114,858
−HK$3,520/mo
Today · 4.125%
HK$118,378
baseline
▲ 0.50% · 4.625%
HK$125,581
+HK$7,203/mo
Deposit HK$2.71M · loan HK$24.43M · min. income ≈ HK$236,756/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,153,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,924
−HK$6,695/mo
▼ 0.25% · 3.875%
HK$127,247
−HK$3,372/mo
Today · 4.125%
HK$130,619
baseline
▲ 0.50% · 4.625%
HK$137,504
+HK$6,885/mo
Deposit HK$2.71M · loan HK$24.43M · min. income ≈ HK$261,238/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,153,429 · Scale 2, in force from 26 Feb 2026)