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$63,172
−HK$3,962/mo
▼ 0.25% · 3.875%
HK$65,137
−HK$1,997/mo
Today · 4.125%
HK$67,134
baseline
▲ 0.50% · 4.625%
HK$71,219
+HK$4,085/mo
Deposit HK$13.85M · loan HK$13.85M · min. income ≈ HK$134,268/mo (50% DSR)
Upfront cash ≈ HK$15.03M (deposit + AVD stamp duty HK$1,177,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,279
−HK$3,797/mo
▼ 0.25% · 3.875%
HK$72,163
−HK$1,913/mo
Today · 4.125%
HK$74,076
baseline
▲ 0.50% · 4.625%
HK$77,980
+HK$3,904/mo
Deposit HK$13.85M · loan HK$13.85M · min. income ≈ HK$148,152/mo (50% DSR)
Upfront cash ≈ HK$15.03M (deposit + AVD stamp duty HK$1,177,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,807
−HK$4,754/mo
▼ 0.25% · 3.875%
HK$78,165
−HK$2,396/mo
Today · 4.125%
HK$80,561
baseline
▲ 0.50% · 4.625%
HK$85,462
+HK$4,901/mo
Deposit HK$11.08M · loan HK$16.62M · min. income ≈ HK$161,122/mo (50% DSR)
Upfront cash ≈ HK$12.26M (deposit + AVD stamp duty HK$1,177,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,334
−HK$4,557/mo
▼ 0.25% · 3.875%
HK$86,596
−HK$2,295/mo
Today · 4.125%
HK$88,891
baseline
▲ 0.50% · 4.625%
HK$93,576
+HK$4,685/mo
Deposit HK$11.08M · loan HK$16.62M · min. income ≈ HK$177,782/mo (50% DSR)
Upfront cash ≈ HK$12.26M (deposit + AVD stamp duty HK$1,177,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,441
−HK$5,546/mo
▼ 0.25% · 3.875%
HK$91,192
−HK$2,795/mo
Today · 4.125%
HK$93,987
baseline
▲ 0.50% · 4.625%
HK$99,706
+HK$5,719/mo
Deposit HK$8.31M · loan HK$19.39M · min. income ≈ HK$187,974/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$1,177,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,390
−HK$5,316/mo
▼ 0.25% · 3.875%
HK$101,029
−HK$2,677/mo
Today · 4.125%
HK$103,706
baseline
▲ 0.50% · 4.625%
HK$109,172
+HK$5,466/mo
Deposit HK$8.31M · loan HK$19.39M · min. income ≈ HK$207,412/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$1,177,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,710
−HK$7,131/mo
▼ 0.25% · 3.875%
HK$117,247
−HK$3,594/mo
Today · 4.125%
HK$120,841
baseline
▲ 0.50% · 4.625%
HK$128,194
+HK$7,353/mo
Deposit HK$2.77M · loan HK$24.93M · min. income ≈ HK$241,682/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,177,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,501
−HK$6,835/mo
▼ 0.25% · 3.875%
HK$129,894
−HK$3,442/mo
Today · 4.125%
HK$133,336
baseline
▲ 0.50% · 4.625%
HK$140,364
+HK$7,028/mo
Deposit HK$2.77M · loan HK$24.93M · min. income ≈ HK$266,672/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,177,422 · Scale 2, in force from 26 Feb 2026)