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$61,945
−HK$3,884/mo
▼ 0.25% · 3.875%
HK$63,872
−HK$1,957/mo
Today · 4.125%
HK$65,829
baseline
▲ 0.50% · 4.625%
HK$69,835
+HK$4,006/mo
Deposit HK$13.58M · loan HK$13.58M · min. income ≈ HK$131,658/mo (50% DSR)
Upfront cash ≈ HK$14.74M (deposit + AVD stamp duty HK$1,154,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,913
−HK$3,723/mo
▼ 0.25% · 3.875%
HK$70,761
−HK$1,875/mo
Today · 4.125%
HK$72,636
baseline
▲ 0.50% · 4.625%
HK$76,465
+HK$3,829/mo
Deposit HK$13.58M · loan HK$13.58M · min. income ≈ HK$145,272/mo (50% DSR)
Upfront cash ≈ HK$14.74M (deposit + AVD stamp duty HK$1,154,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,334
−HK$4,661/mo
▼ 0.25% · 3.875%
HK$76,646
−HK$2,349/mo
Today · 4.125%
HK$78,995
baseline
▲ 0.50% · 4.625%
HK$83,802
+HK$4,807/mo
Deposit HK$10.87M · loan HK$16.30M · min. income ≈ HK$157,990/mo (50% DSR)
Upfront cash ≈ HK$12.02M (deposit + AVD stamp duty HK$1,154,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,696
−HK$4,467/mo
▼ 0.25% · 3.875%
HK$84,913
−HK$2,250/mo
Today · 4.125%
HK$87,163
baseline
▲ 0.50% · 4.625%
HK$91,758
+HK$4,595/mo
Deposit HK$10.87M · loan HK$16.30M · min. income ≈ HK$174,326/mo (50% DSR)
Upfront cash ≈ HK$12.02M (deposit + AVD stamp duty HK$1,154,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,723
−HK$5,438/mo
▼ 0.25% · 3.875%
HK$89,420
−HK$2,741/mo
Today · 4.125%
HK$92,161
baseline
▲ 0.50% · 4.625%
HK$97,769
+HK$5,608/mo
Deposit HK$8.15M · loan HK$19.02M · min. income ≈ HK$184,322/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$1,154,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,478
−HK$5,213/mo
▼ 0.25% · 3.875%
HK$99,066
−HK$2,625/mo
Today · 4.125%
HK$101,691
baseline
▲ 0.50% · 4.625%
HK$107,051
+HK$5,360/mo
Deposit HK$8.15M · loan HK$19.02M · min. income ≈ HK$203,382/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$1,154,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,501
−HK$6,992/mo
▼ 0.25% · 3.875%
HK$114,969
−HK$3,524/mo
Today · 4.125%
HK$118,493
baseline
▲ 0.50% · 4.625%
HK$125,703
+HK$7,210/mo
Deposit HK$2.72M · loan HK$24.45M · min. income ≈ HK$236,986/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,154,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,043
−HK$6,702/mo
▼ 0.25% · 3.875%
HK$127,370
−HK$3,375/mo
Today · 4.125%
HK$130,745
baseline
▲ 0.50% · 4.625%
HK$137,637
+HK$6,892/mo
Deposit HK$2.72M · loan HK$24.45M · min. income ≈ HK$261,490/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,154,544 · Scale 2, in force from 26 Feb 2026)