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$61,149
−HK$3,834/mo
▼ 0.25% · 3.875%
HK$63,051
−HK$1,932/mo
Today · 4.125%
HK$64,983
baseline
▲ 0.50% · 4.625%
HK$68,938
+HK$3,955/mo
Deposit HK$13.41M · loan HK$13.41M · min. income ≈ HK$129,966/mo (50% DSR)
Upfront cash ≈ HK$14.55M (deposit + AVD stamp duty HK$1,139,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,028
−HK$3,675/mo
▼ 0.25% · 3.875%
HK$69,852
−HK$1,851/mo
Today · 4.125%
HK$71,703
baseline
▲ 0.50% · 4.625%
HK$75,482
+HK$3,779/mo
Deposit HK$13.41M · loan HK$13.41M · min. income ≈ HK$143,406/mo (50% DSR)
Upfront cash ≈ HK$14.55M (deposit + AVD stamp duty HK$1,139,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,379
−HK$4,601/mo
▼ 0.25% · 3.875%
HK$75,661
−HK$2,319/mo
Today · 4.125%
HK$77,980
baseline
▲ 0.50% · 4.625%
HK$82,725
+HK$4,745/mo
Deposit HK$10.73M · loan HK$16.09M · min. income ≈ HK$155,960/mo (50% DSR)
Upfront cash ≈ HK$11.87M (deposit + AVD stamp duty HK$1,139,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,633
−HK$4,410/mo
▼ 0.25% · 3.875%
HK$83,822
−HK$2,221/mo
Today · 4.125%
HK$86,043
baseline
▲ 0.50% · 4.625%
HK$90,579
+HK$4,536/mo
Deposit HK$10.73M · loan HK$16.09M · min. income ≈ HK$172,086/mo (50% DSR)
Upfront cash ≈ HK$11.87M (deposit + AVD stamp duty HK$1,139,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,608
−HK$5,369/mo
▼ 0.25% · 3.875%
HK$88,271
−HK$2,706/mo
Today · 4.125%
HK$90,977
baseline
▲ 0.50% · 4.625%
HK$96,513
+HK$5,536/mo
Deposit HK$8.05M · loan HK$18.77M · min. income ≈ HK$181,954/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$1,139,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,239
−HK$5,145/mo
▼ 0.25% · 3.875%
HK$97,793
−HK$2,591/mo
Today · 4.125%
HK$100,384
baseline
▲ 0.50% · 4.625%
HK$105,675
+HK$5,291/mo
Deposit HK$8.05M · loan HK$18.77M · min. income ≈ HK$200,768/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$1,139,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,068
−HK$6,902/mo
▼ 0.25% · 3.875%
HK$113,492
−HK$3,478/mo
Today · 4.125%
HK$116,970
baseline
▲ 0.50% · 4.625%
HK$124,088
+HK$7,118/mo
Deposit HK$2.68M · loan HK$24.14M · min. income ≈ HK$233,940/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,139,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,450
−HK$6,615/mo
▼ 0.25% · 3.875%
HK$125,734
−HK$3,331/mo
Today · 4.125%
HK$129,065
baseline
▲ 0.50% · 4.625%
HK$135,868
+HK$6,803/mo
Deposit HK$2.68M · loan HK$24.14M · min. income ≈ HK$258,130/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,139,710 · Scale 2, in force from 26 Feb 2026)