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$62,535
−HK$3,922/mo
▼ 0.25% · 3.875%
HK$64,480
−HK$1,977/mo
Today · 4.125%
HK$66,457
baseline
▲ 0.50% · 4.625%
HK$70,500
+HK$4,043/mo
Deposit HK$13.71M · loan HK$13.71M · min. income ≈ HK$132,914/mo (50% DSR)
Upfront cash ≈ HK$14.88M (deposit + AVD stamp duty HK$1,165,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,570
−HK$3,758/mo
▼ 0.25% · 3.875%
HK$71,436
−HK$1,892/mo
Today · 4.125%
HK$73,328
baseline
▲ 0.50% · 4.625%
HK$77,194
+HK$3,866/mo
Deposit HK$13.71M · loan HK$13.71M · min. income ≈ HK$146,656/mo (50% DSR)
Upfront cash ≈ HK$14.88M (deposit + AVD stamp duty HK$1,165,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,042
−HK$4,706/mo
▼ 0.25% · 3.875%
HK$77,376
−HK$2,372/mo
Today · 4.125%
HK$79,748
baseline
▲ 0.50% · 4.625%
HK$84,600
+HK$4,852/mo
Deposit HK$10.97M · loan HK$16.45M · min. income ≈ HK$159,496/mo (50% DSR)
Upfront cash ≈ HK$12.14M (deposit + AVD stamp duty HK$1,165,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,484
−HK$4,510/mo
▼ 0.25% · 3.875%
HK$85,723
−HK$2,271/mo
Today · 4.125%
HK$87,994
baseline
▲ 0.50% · 4.625%
HK$92,632
+HK$4,638/mo
Deposit HK$10.97M · loan HK$16.45M · min. income ≈ HK$175,988/mo (50% DSR)
Upfront cash ≈ HK$12.14M (deposit + AVD stamp duty HK$1,165,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,549
−HK$5,490/mo
▼ 0.25% · 3.875%
HK$90,272
−HK$2,767/mo
Today · 4.125%
HK$93,039
baseline
▲ 0.50% · 4.625%
HK$98,700
+HK$5,661/mo
Deposit HK$8.23M · loan HK$19.20M · min. income ≈ HK$186,078/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$1,165,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,398
−HK$5,262/mo
▼ 0.25% · 3.875%
HK$100,010
−HK$2,650/mo
Today · 4.125%
HK$102,660
baseline
▲ 0.50% · 4.625%
HK$108,071
+HK$5,411/mo
Deposit HK$8.23M · loan HK$19.20M · min. income ≈ HK$205,320/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$1,165,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,563
−HK$7,059/mo
▼ 0.25% · 3.875%
HK$116,065
−HK$3,557/mo
Today · 4.125%
HK$119,622
baseline
▲ 0.50% · 4.625%
HK$126,901
+HK$7,279/mo
Deposit HK$2.74M · loan HK$24.68M · min. income ≈ HK$239,244/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,165,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,225
−HK$6,766/mo
▼ 0.25% · 3.875%
HK$128,584
−HK$3,407/mo
Today · 4.125%
HK$131,991
baseline
▲ 0.50% · 4.625%
HK$138,948
+HK$6,957/mo
Deposit HK$2.74M · loan HK$24.68M · min. income ≈ HK$263,982/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,165,546 · Scale 2, in force from 26 Feb 2026)