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$63,611
−HK$3,989/mo
▼ 0.25% · 3.875%
HK$65,589
−HK$2,011/mo
Today · 4.125%
HK$67,600
baseline
▲ 0.50% · 4.625%
HK$71,713
+HK$4,113/mo
Deposit HK$13.95M · loan HK$13.95M · min. income ≈ HK$135,200/mo (50% DSR)
Upfront cash ≈ HK$15.13M (deposit + AVD stamp duty HK$1,185,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,766
−HK$3,823/mo
▼ 0.25% · 3.875%
HK$72,664
−HK$1,925/mo
Today · 4.125%
HK$74,589
baseline
▲ 0.50% · 4.625%
HK$78,521
+HK$3,932/mo
Deposit HK$13.95M · loan HK$13.95M · min. income ≈ HK$149,178/mo (50% DSR)
Upfront cash ≈ HK$15.13M (deposit + AVD stamp duty HK$1,185,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,333
−HK$4,786/mo
▼ 0.25% · 3.875%
HK$78,707
−HK$2,412/mo
Today · 4.125%
HK$81,119
baseline
▲ 0.50% · 4.625%
HK$86,055
+HK$4,936/mo
Deposit HK$11.16M · loan HK$16.74M · min. income ≈ HK$162,238/mo (50% DSR)
Upfront cash ≈ HK$12.34M (deposit + AVD stamp duty HK$1,185,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,919
−HK$4,588/mo
▼ 0.25% · 3.875%
HK$87,197
−HK$2,310/mo
Today · 4.125%
HK$89,507
baseline
▲ 0.50% · 4.625%
HK$94,225
+HK$4,718/mo
Deposit HK$11.16M · loan HK$16.74M · min. income ≈ HK$179,014/mo (50% DSR)
Upfront cash ≈ HK$12.34M (deposit + AVD stamp duty HK$1,185,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,055
−HK$5,584/mo
▼ 0.25% · 3.875%
HK$91,825
−HK$2,814/mo
Today · 4.125%
HK$94,639
baseline
▲ 0.50% · 4.625%
HK$100,398
+HK$5,759/mo
Deposit HK$8.37M · loan HK$19.53M · min. income ≈ HK$189,278/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$1,185,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,073
−HK$5,352/mo
▼ 0.25% · 3.875%
HK$101,730
−HK$2,695/mo
Today · 4.125%
HK$104,425
baseline
▲ 0.50% · 4.625%
HK$109,930
+HK$5,505/mo
Deposit HK$8.37M · loan HK$19.53M · min. income ≈ HK$208,850/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$1,185,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,499
−HK$7,180/mo
▼ 0.25% · 3.875%
HK$118,061
−HK$3,618/mo
Today · 4.125%
HK$121,679
baseline
▲ 0.50% · 4.625%
HK$129,083
+HK$7,404/mo
Deposit HK$2.79M · loan HK$25.11M · min. income ≈ HK$243,358/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$1,185,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,379
−HK$6,882/mo
▼ 0.25% · 3.875%
HK$130,795
−HK$3,466/mo
Today · 4.125%
HK$134,261
baseline
▲ 0.50% · 4.625%
HK$141,338
+HK$7,077/mo
Deposit HK$2.79M · loan HK$25.11M · min. income ≈ HK$268,522/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$1,185,591 · Scale 2, in force from 26 Feb 2026)