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$61,193
−HK$3,838/mo
▼ 0.25% · 3.875%
HK$63,097
−HK$1,934/mo
Today · 4.125%
HK$65,031
baseline
▲ 0.50% · 4.625%
HK$68,987
+HK$3,956/mo
Deposit HK$13.42M · loan HK$13.42M · min. income ≈ HK$130,062/mo (50% DSR)
Upfront cash ≈ HK$14.56M (deposit + AVD stamp duty HK$1,140,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,077
−HK$3,678/mo
▼ 0.25% · 3.875%
HK$69,903
−HK$1,852/mo
Today · 4.125%
HK$71,755
baseline
▲ 0.50% · 4.625%
HK$75,537
+HK$3,782/mo
Deposit HK$13.42M · loan HK$13.42M · min. income ≈ HK$143,510/mo (50% DSR)
Upfront cash ≈ HK$14.56M (deposit + AVD stamp duty HK$1,140,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,432
−HK$4,605/mo
▼ 0.25% · 3.875%
HK$75,716
−HK$2,321/mo
Today · 4.125%
HK$78,037
baseline
▲ 0.50% · 4.625%
HK$82,785
+HK$4,748/mo
Deposit HK$10.73M · loan HK$16.10M · min. income ≈ HK$156,074/mo (50% DSR)
Upfront cash ≈ HK$11.87M (deposit + AVD stamp duty HK$1,140,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,692
−HK$4,414/mo
▼ 0.25% · 3.875%
HK$83,883
−HK$2,223/mo
Today · 4.125%
HK$86,106
baseline
▲ 0.50% · 4.625%
HK$90,644
+HK$4,538/mo
Deposit HK$10.73M · loan HK$16.10M · min. income ≈ HK$172,212/mo (50% DSR)
Upfront cash ≈ HK$11.87M (deposit + AVD stamp duty HK$1,140,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,670
−HK$5,373/mo
▼ 0.25% · 3.875%
HK$88,335
−HK$2,708/mo
Today · 4.125%
HK$91,043
baseline
▲ 0.50% · 4.625%
HK$96,582
+HK$5,539/mo
Deposit HK$8.05M · loan HK$18.79M · min. income ≈ HK$182,086/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$1,140,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,308
−HK$5,149/mo
▼ 0.25% · 3.875%
HK$97,864
−HK$2,593/mo
Today · 4.125%
HK$100,457
baseline
▲ 0.50% · 4.625%
HK$105,752
+HK$5,295/mo
Deposit HK$8.05M · loan HK$18.79M · min. income ≈ HK$200,914/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$1,140,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,148
−HK$6,907/mo
▼ 0.25% · 3.875%
HK$113,574
−HK$3,481/mo
Today · 4.125%
HK$117,055
baseline
▲ 0.50% · 4.625%
HK$124,177
+HK$7,122/mo
Deposit HK$2.68M · loan HK$24.15M · min. income ≈ HK$234,110/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,140,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,538
−HK$6,621/mo
▼ 0.25% · 3.875%
HK$125,825
−HK$3,334/mo
Today · 4.125%
HK$129,159
baseline
▲ 0.50% · 4.625%
HK$135,967
+HK$6,808/mo
Deposit HK$2.68M · loan HK$24.15M · min. income ≈ HK$258,318/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,140,535 · Scale 2, in force from 26 Feb 2026)