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$63,623
−HK$3,990/mo
▼ 0.25% · 3.875%
HK$65,602
−HK$2,011/mo
Today · 4.125%
HK$67,613
baseline
▲ 0.50% · 4.625%
HK$71,727
+HK$4,114/mo
Deposit HK$13.95M · loan HK$13.95M · min. income ≈ HK$135,226/mo (50% DSR)
Upfront cash ≈ HK$15.14M (deposit + AVD stamp duty HK$1,185,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,780
−HK$3,824/mo
▼ 0.25% · 3.875%
HK$72,679
−HK$1,925/mo
Today · 4.125%
HK$74,604
baseline
▲ 0.50% · 4.625%
HK$78,537
+HK$3,933/mo
Deposit HK$13.95M · loan HK$13.95M · min. income ≈ HK$149,208/mo (50% DSR)
Upfront cash ≈ HK$15.14M (deposit + AVD stamp duty HK$1,185,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,348
−HK$4,788/mo
▼ 0.25% · 3.875%
HK$78,723
−HK$2,413/mo
Today · 4.125%
HK$81,136
baseline
▲ 0.50% · 4.625%
HK$86,073
+HK$4,937/mo
Deposit HK$11.16M · loan HK$16.74M · min. income ≈ HK$162,272/mo (50% DSR)
Upfront cash ≈ HK$12.35M (deposit + AVD stamp duty HK$1,185,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,937
−HK$4,588/mo
▼ 0.25% · 3.875%
HK$87,214
−HK$2,311/mo
Today · 4.125%
HK$89,525
baseline
▲ 0.50% · 4.625%
HK$94,244
+HK$4,719/mo
Deposit HK$11.16M · loan HK$16.74M · min. income ≈ HK$179,050/mo (50% DSR)
Upfront cash ≈ HK$12.35M (deposit + AVD stamp duty HK$1,185,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,073
−HK$5,585/mo
▼ 0.25% · 3.875%
HK$91,843
−HK$2,815/mo
Today · 4.125%
HK$94,658
baseline
▲ 0.50% · 4.625%
HK$100,418
+HK$5,760/mo
Deposit HK$8.37M · loan HK$19.53M · min. income ≈ HK$189,316/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$1,185,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,093
−HK$5,353/mo
▼ 0.25% · 3.875%
HK$101,750
−HK$2,696/mo
Today · 4.125%
HK$104,446
baseline
▲ 0.50% · 4.625%
HK$109,952
+HK$5,506/mo
Deposit HK$8.37M · loan HK$19.53M · min. income ≈ HK$208,892/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$1,185,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,522
−HK$7,182/mo
▼ 0.25% · 3.875%
HK$118,084
−HK$3,620/mo
Today · 4.125%
HK$121,704
baseline
▲ 0.50% · 4.625%
HK$129,109
+HK$7,405/mo
Deposit HK$2.79M · loan HK$25.11M · min. income ≈ HK$243,408/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$1,185,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,405
−HK$6,883/mo
▼ 0.25% · 3.875%
HK$130,822
−HK$3,466/mo
Today · 4.125%
HK$134,288
baseline
▲ 0.50% · 4.625%
HK$141,367
+HK$7,079/mo
Deposit HK$2.79M · loan HK$25.11M · min. income ≈ HK$268,576/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$1,185,830 · Scale 2, in force from 26 Feb 2026)