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$61,616
−HK$3,864/mo
▼ 0.25% · 3.875%
HK$63,533
−HK$1,947/mo
Today · 4.125%
HK$65,480
baseline
▲ 0.50% · 4.625%
HK$69,464
+HK$3,984/mo
Deposit HK$13.51M · loan HK$13.51M · min. income ≈ HK$130,960/mo (50% DSR)
Upfront cash ≈ HK$14.66M (deposit + AVD stamp duty HK$1,148,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,547
−HK$3,704/mo
▼ 0.25% · 3.875%
HK$70,386
−HK$1,865/mo
Today · 4.125%
HK$72,251
baseline
▲ 0.50% · 4.625%
HK$76,059
+HK$3,808/mo
Deposit HK$13.51M · loan HK$13.51M · min. income ≈ HK$144,502/mo (50% DSR)
Upfront cash ≈ HK$14.66M (deposit + AVD stamp duty HK$1,148,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,939
−HK$4,637/mo
▼ 0.25% · 3.875%
HK$76,239
−HK$2,337/mo
Today · 4.125%
HK$78,576
baseline
▲ 0.50% · 4.625%
HK$83,357
+HK$4,781/mo
Deposit HK$10.81M · loan HK$16.21M · min. income ≈ HK$157,152/mo (50% DSR)
Upfront cash ≈ HK$11.96M (deposit + AVD stamp duty HK$1,148,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,257
−HK$4,444/mo
▼ 0.25% · 3.875%
HK$84,463
−HK$2,238/mo
Today · 4.125%
HK$86,701
baseline
▲ 0.50% · 4.625%
HK$91,271
+HK$4,570/mo
Deposit HK$10.81M · loan HK$16.21M · min. income ≈ HK$173,402/mo (50% DSR)
Upfront cash ≈ HK$11.96M (deposit + AVD stamp duty HK$1,148,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,263
−HK$5,409/mo
▼ 0.25% · 3.875%
HK$88,946
−HK$2,726/mo
Today · 4.125%
HK$91,672
baseline
▲ 0.50% · 4.625%
HK$97,250
+HK$5,578/mo
Deposit HK$8.11M · loan HK$18.92M · min. income ≈ HK$183,344/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$1,148,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,966
−HK$5,185/mo
▼ 0.25% · 3.875%
HK$98,540
−HK$2,611/mo
Today · 4.125%
HK$101,151
baseline
▲ 0.50% · 4.625%
HK$106,483
+HK$5,332/mo
Deposit HK$8.11M · loan HK$18.92M · min. income ≈ HK$202,302/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$1,148,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,909
−HK$6,955/mo
▼ 0.25% · 3.875%
HK$114,359
−HK$3,505/mo
Today · 4.125%
HK$117,864
baseline
▲ 0.50% · 4.625%
HK$125,036
+HK$7,172/mo
Deposit HK$2.70M · loan HK$24.32M · min. income ≈ HK$235,728/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,148,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,385
−HK$6,666/mo
▼ 0.25% · 3.875%
HK$126,694
−HK$3,357/mo
Today · 4.125%
HK$130,051
baseline
▲ 0.50% · 4.625%
HK$136,906
+HK$6,855/mo
Deposit HK$2.70M · loan HK$24.32M · min. income ≈ HK$260,102/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,148,417 · Scale 2, in force from 26 Feb 2026)