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$63,751
−HK$3,998/mo
▼ 0.25% · 3.875%
HK$65,734
−HK$2,015/mo
Today · 4.125%
HK$67,749
baseline
▲ 0.50% · 4.625%
HK$71,871
+HK$4,122/mo
Deposit HK$13.98M · loan HK$13.98M · min. income ≈ HK$135,498/mo (50% DSR)
Upfront cash ≈ HK$15.17M (deposit + AVD stamp duty HK$1,188,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,922
−HK$3,832/mo
▼ 0.25% · 3.875%
HK$72,824
−HK$1,930/mo
Today · 4.125%
HK$74,754
baseline
▲ 0.50% · 4.625%
HK$78,694
+HK$3,940/mo
Deposit HK$13.98M · loan HK$13.98M · min. income ≈ HK$149,508/mo (50% DSR)
Upfront cash ≈ HK$15.17M (deposit + AVD stamp duty HK$1,188,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,501
−HK$4,797/mo
▼ 0.25% · 3.875%
HK$78,881
−HK$2,417/mo
Today · 4.125%
HK$81,298
baseline
▲ 0.50% · 4.625%
HK$86,245
+HK$4,947/mo
Deposit HK$11.18M · loan HK$16.77M · min. income ≈ HK$162,596/mo (50% DSR)
Upfront cash ≈ HK$12.37M (deposit + AVD stamp duty HK$1,188,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,107
−HK$4,598/mo
▼ 0.25% · 3.875%
HK$87,389
−HK$2,316/mo
Today · 4.125%
HK$89,705
baseline
▲ 0.50% · 4.625%
HK$94,433
+HK$4,728/mo
Deposit HK$11.18M · loan HK$16.77M · min. income ≈ HK$179,410/mo (50% DSR)
Upfront cash ≈ HK$12.37M (deposit + AVD stamp duty HK$1,188,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,251
−HK$5,597/mo
▼ 0.25% · 3.875%
HK$92,027
−HK$2,821/mo
Today · 4.125%
HK$94,848
baseline
▲ 0.50% · 4.625%
HK$100,619
+HK$5,771/mo
Deposit HK$8.39M · loan HK$19.57M · min. income ≈ HK$189,696/mo (50% DSR)
Upfront cash ≈ HK$9.58M (deposit + AVD stamp duty HK$1,188,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,291
−HK$5,364/mo
▼ 0.25% · 3.875%
HK$101,954
−HK$2,701/mo
Today · 4.125%
HK$104,655
baseline
▲ 0.50% · 4.625%
HK$110,172
+HK$5,517/mo
Deposit HK$8.39M · loan HK$19.57M · min. income ≈ HK$209,310/mo (50% DSR)
Upfront cash ≈ HK$9.58M (deposit + AVD stamp duty HK$1,188,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,751
−HK$7,196/mo
▼ 0.25% · 3.875%
HK$118,321
−HK$3,626/mo
Today · 4.125%
HK$121,947
baseline
▲ 0.50% · 4.625%
HK$129,368
+HK$7,421/mo
Deposit HK$2.80M · loan HK$25.16M · min. income ≈ HK$243,894/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$1,188,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,660
−HK$6,897/mo
▼ 0.25% · 3.875%
HK$131,084
−HK$3,473/mo
Today · 4.125%
HK$134,557
baseline
▲ 0.50% · 4.625%
HK$141,650
+HK$7,093/mo
Deposit HK$2.80M · loan HK$25.16M · min. income ≈ HK$269,114/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$1,188,205 · Scale 2, in force from 26 Feb 2026)