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$63,551
−HK$3,985/mo
▼ 0.25% · 3.875%
HK$65,528
−HK$2,008/mo
Today · 4.125%
HK$67,536
baseline
▲ 0.50% · 4.625%
HK$71,646
+HK$4,110/mo
Deposit HK$13.94M · loan HK$13.94M · min. income ≈ HK$135,072/mo (50% DSR)
Upfront cash ≈ HK$15.12M (deposit + AVD stamp duty HK$1,184,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,700
−HK$3,819/mo
▼ 0.25% · 3.875%
HK$72,596
−HK$1,923/mo
Today · 4.125%
HK$74,519
baseline
▲ 0.50% · 4.625%
HK$78,447
+HK$3,928/mo
Deposit HK$13.94M · loan HK$13.94M · min. income ≈ HK$149,038/mo (50% DSR)
Upfront cash ≈ HK$15.12M (deposit + AVD stamp duty HK$1,184,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,261
−HK$4,782/mo
▼ 0.25% · 3.875%
HK$78,633
−HK$2,410/mo
Today · 4.125%
HK$81,043
baseline
▲ 0.50% · 4.625%
HK$85,975
+HK$4,932/mo
Deposit HK$11.15M · loan HK$16.72M · min. income ≈ HK$162,086/mo (50% DSR)
Upfront cash ≈ HK$12.33M (deposit + AVD stamp duty HK$1,184,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,840
−HK$4,583/mo
▼ 0.25% · 3.875%
HK$87,115
−HK$2,308/mo
Today · 4.125%
HK$89,423
baseline
▲ 0.50% · 4.625%
HK$94,137
+HK$4,714/mo
Deposit HK$11.15M · loan HK$16.72M · min. income ≈ HK$178,846/mo (50% DSR)
Upfront cash ≈ HK$12.33M (deposit + AVD stamp duty HK$1,184,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,971
−HK$5,580/mo
▼ 0.25% · 3.875%
HK$91,739
−HK$2,812/mo
Today · 4.125%
HK$94,551
baseline
▲ 0.50% · 4.625%
HK$100,304
+HK$5,753/mo
Deposit HK$8.36M · loan HK$19.51M · min. income ≈ HK$189,102/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$1,184,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,980
−HK$5,347/mo
▼ 0.25% · 3.875%
HK$101,634
−HK$2,693/mo
Today · 4.125%
HK$104,327
baseline
▲ 0.50% · 4.625%
HK$109,826
+HK$5,499/mo
Deposit HK$8.36M · loan HK$19.51M · min. income ≈ HK$208,654/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$1,184,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,392
−HK$7,173/mo
▼ 0.25% · 3.875%
HK$117,950
−HK$3,615/mo
Today · 4.125%
HK$121,565
baseline
▲ 0.50% · 4.625%
HK$128,962
+HK$7,397/mo
Deposit HK$2.79M · loan HK$25.08M · min. income ≈ HK$243,130/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,184,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,260
−HK$6,875/mo
▼ 0.25% · 3.875%
HK$130,673
−HK$3,462/mo
Today · 4.125%
HK$134,135
baseline
▲ 0.50% · 4.625%
HK$141,205
+HK$7,070/mo
Deposit HK$2.79M · loan HK$25.08M · min. income ≈ HK$268,270/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,184,479 · Scale 2, in force from 26 Feb 2026)