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$63,055
−HK$3,954/mo
▼ 0.25% · 3.875%
HK$65,016
−HK$1,993/mo
Today · 4.125%
HK$67,009
baseline
▲ 0.50% · 4.625%
HK$71,086
+HK$4,077/mo
Deposit HK$13.83M · loan HK$13.83M · min. income ≈ HK$134,018/mo (50% DSR)
Upfront cash ≈ HK$15.00M (deposit + AVD stamp duty HK$1,175,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,148
−HK$3,790/mo
▼ 0.25% · 3.875%
HK$72,029
−HK$1,909/mo
Today · 4.125%
HK$73,938
baseline
▲ 0.50% · 4.625%
HK$77,835
+HK$3,897/mo
Deposit HK$13.83M · loan HK$13.83M · min. income ≈ HK$147,876/mo (50% DSR)
Upfront cash ≈ HK$15.00M (deposit + AVD stamp duty HK$1,175,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,666
−HK$4,745/mo
▼ 0.25% · 3.875%
HK$78,020
−HK$2,391/mo
Today · 4.125%
HK$80,411
baseline
▲ 0.50% · 4.625%
HK$85,304
+HK$4,893/mo
Deposit HK$11.06M · loan HK$16.59M · min. income ≈ HK$160,822/mo (50% DSR)
Upfront cash ≈ HK$12.24M (deposit + AVD stamp duty HK$1,175,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,178
−HK$4,548/mo
▼ 0.25% · 3.875%
HK$86,435
−HK$2,291/mo
Today · 4.125%
HK$88,726
baseline
▲ 0.50% · 4.625%
HK$93,402
+HK$4,676/mo
Deposit HK$11.06M · loan HK$16.59M · min. income ≈ HK$177,452/mo (50% DSR)
Upfront cash ≈ HK$12.24M (deposit + AVD stamp duty HK$1,175,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,277
−HK$5,536/mo
▼ 0.25% · 3.875%
HK$91,023
−HK$2,790/mo
Today · 4.125%
HK$93,813
baseline
▲ 0.50% · 4.625%
HK$99,521
+HK$5,708/mo
Deposit HK$8.30M · loan HK$19.36M · min. income ≈ HK$187,626/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$1,175,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,207
−HK$5,306/mo
▼ 0.25% · 3.875%
HK$100,841
−HK$2,672/mo
Today · 4.125%
HK$103,513
baseline
▲ 0.50% · 4.625%
HK$108,969
+HK$5,456/mo
Deposit HK$8.30M · loan HK$19.36M · min. income ≈ HK$207,026/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$1,175,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,499
−HK$7,117/mo
▼ 0.25% · 3.875%
HK$117,029
−HK$3,587/mo
Today · 4.125%
HK$120,616
baseline
▲ 0.50% · 4.625%
HK$127,956
+HK$7,340/mo
Deposit HK$2.77M · loan HK$24.89M · min. income ≈ HK$241,232/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,175,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,267
−HK$6,821/mo
▼ 0.25% · 3.875%
HK$129,653
−HK$3,435/mo
Today · 4.125%
HK$133,088
baseline
▲ 0.50% · 4.625%
HK$140,104
+HK$7,016/mo
Deposit HK$2.77M · loan HK$24.89M · min. income ≈ HK$266,176/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,175,236 · Scale 2, in force from 26 Feb 2026)