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$63,592
−HK$3,987/mo
▼ 0.25% · 3.875%
HK$65,570
−HK$2,009/mo
Today · 4.125%
HK$67,579
baseline
▲ 0.50% · 4.625%
HK$71,692
+HK$4,113/mo
Deposit HK$13.94M · loan HK$13.94M · min. income ≈ HK$135,158/mo (50% DSR)
Upfront cash ≈ HK$15.13M (deposit + AVD stamp duty HK$1,185,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,745
−HK$3,822/mo
▼ 0.25% · 3.875%
HK$72,642
−HK$1,925/mo
Today · 4.125%
HK$74,567
baseline
▲ 0.50% · 4.625%
HK$78,498
+HK$3,931/mo
Deposit HK$13.94M · loan HK$13.94M · min. income ≈ HK$149,134/mo (50% DSR)
Upfront cash ≈ HK$15.13M (deposit + AVD stamp duty HK$1,185,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,310
−HK$4,785/mo
▼ 0.25% · 3.875%
HK$78,684
−HK$2,411/mo
Today · 4.125%
HK$81,095
baseline
▲ 0.50% · 4.625%
HK$86,030
+HK$4,935/mo
Deposit HK$11.16M · loan HK$16.73M · min. income ≈ HK$162,190/mo (50% DSR)
Upfront cash ≈ HK$12.34M (deposit + AVD stamp duty HK$1,185,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,894
−HK$4,587/mo
▼ 0.25% · 3.875%
HK$87,171
−HK$2,310/mo
Today · 4.125%
HK$89,481
baseline
▲ 0.50% · 4.625%
HK$94,197
+HK$4,716/mo
Deposit HK$11.16M · loan HK$16.73M · min. income ≈ HK$178,962/mo (50% DSR)
Upfront cash ≈ HK$12.34M (deposit + AVD stamp duty HK$1,185,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,028
−HK$5,583/mo
▼ 0.25% · 3.875%
HK$91,798
−HK$2,813/mo
Today · 4.125%
HK$94,611
baseline
▲ 0.50% · 4.625%
HK$100,368
+HK$5,757/mo
Deposit HK$8.37M · loan HK$19.52M · min. income ≈ HK$189,222/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$1,185,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,043
−HK$5,351/mo
▼ 0.25% · 3.875%
HK$101,699
−HK$2,695/mo
Today · 4.125%
HK$104,394
baseline
▲ 0.50% · 4.625%
HK$109,897
+HK$5,503/mo
Deposit HK$8.37M · loan HK$19.52M · min. income ≈ HK$208,788/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$1,185,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,465
−HK$7,178/mo
▼ 0.25% · 3.875%
HK$118,026
−HK$3,617/mo
Today · 4.125%
HK$121,643
baseline
▲ 0.50% · 4.625%
HK$129,045
+HK$7,402/mo
Deposit HK$2.79M · loan HK$25.10M · min. income ≈ HK$243,286/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,185,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,341
−HK$6,880/mo
▼ 0.25% · 3.875%
HK$130,756
−HK$3,465/mo
Today · 4.125%
HK$134,221
baseline
▲ 0.50% · 4.625%
HK$141,296
+HK$7,075/mo
Deposit HK$2.79M · loan HK$25.10M · min. income ≈ HK$268,442/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,185,239 · Scale 2, in force from 26 Feb 2026)