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$62,502
−HK$3,920/mo
▼ 0.25% · 3.875%
HK$64,446
−HK$1,976/mo
Today · 4.125%
HK$66,422
baseline
▲ 0.50% · 4.625%
HK$70,463
+HK$4,041/mo
Deposit HK$13.71M · loan HK$13.71M · min. income ≈ HK$132,844/mo (50% DSR)
Upfront cash ≈ HK$14.87M (deposit + AVD stamp duty HK$1,164,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,533
−HK$3,757/mo
▼ 0.25% · 3.875%
HK$71,398
−HK$1,892/mo
Today · 4.125%
HK$73,290
baseline
▲ 0.50% · 4.625%
HK$77,153
+HK$3,863/mo
Deposit HK$13.71M · loan HK$13.71M · min. income ≈ HK$146,580/mo (50% DSR)
Upfront cash ≈ HK$14.87M (deposit + AVD stamp duty HK$1,164,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,003
−HK$4,703/mo
▼ 0.25% · 3.875%
HK$77,336
−HK$2,370/mo
Today · 4.125%
HK$79,706
baseline
▲ 0.50% · 4.625%
HK$84,556
+HK$4,850/mo
Deposit HK$10.96M · loan HK$16.45M · min. income ≈ HK$159,412/mo (50% DSR)
Upfront cash ≈ HK$12.13M (deposit + AVD stamp duty HK$1,164,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,440
−HK$4,508/mo
▼ 0.25% · 3.875%
HK$85,677
−HK$2,271/mo
Today · 4.125%
HK$87,948
baseline
▲ 0.50% · 4.625%
HK$92,583
+HK$4,635/mo
Deposit HK$10.96M · loan HK$16.45M · min. income ≈ HK$175,896/mo (50% DSR)
Upfront cash ≈ HK$12.13M (deposit + AVD stamp duty HK$1,164,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,503
−HK$5,487/mo
▼ 0.25% · 3.875%
HK$90,225
−HK$2,765/mo
Today · 4.125%
HK$92,990
baseline
▲ 0.50% · 4.625%
HK$98,648
+HK$5,658/mo
Deposit HK$8.22M · loan HK$19.19M · min. income ≈ HK$185,980/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$1,164,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,346
−HK$5,259/mo
▼ 0.25% · 3.875%
HK$99,957
−HK$2,648/mo
Today · 4.125%
HK$102,605
baseline
▲ 0.50% · 4.625%
HK$108,014
+HK$5,409/mo
Deposit HK$8.22M · loan HK$19.19M · min. income ≈ HK$205,210/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$1,164,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,504
−HK$7,055/mo
▼ 0.25% · 3.875%
HK$116,003
−HK$3,556/mo
Today · 4.125%
HK$119,559
baseline
▲ 0.50% · 4.625%
HK$126,834
+HK$7,275/mo
Deposit HK$2.74M · loan HK$24.67M · min. income ≈ HK$239,118/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,164,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,159
−HK$6,762/mo
▼ 0.25% · 3.875%
HK$128,516
−HK$3,405/mo
Today · 4.125%
HK$131,921
baseline
▲ 0.50% · 4.625%
HK$138,875
+HK$6,954/mo
Deposit HK$2.74M · loan HK$24.67M · min. income ≈ HK$263,842/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,164,930 · Scale 2, in force from 26 Feb 2026)