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$62,154
−HK$3,898/mo
▼ 0.25% · 3.875%
HK$64,087
−HK$1,965/mo
Today · 4.125%
HK$66,052
baseline
▲ 0.50% · 4.625%
HK$70,071
+HK$4,019/mo
Deposit HK$13.63M · loan HK$13.63M · min. income ≈ HK$132,104/mo (50% DSR)
Upfront cash ≈ HK$14.79M (deposit + AVD stamp duty HK$1,158,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,146
−HK$3,736/mo
▼ 0.25% · 3.875%
HK$71,000
−HK$1,882/mo
Today · 4.125%
HK$72,882
baseline
▲ 0.50% · 4.625%
HK$76,723
+HK$3,841/mo
Deposit HK$13.63M · loan HK$13.63M · min. income ≈ HK$145,764/mo (50% DSR)
Upfront cash ≈ HK$14.79M (deposit + AVD stamp duty HK$1,158,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,585
−HK$4,677/mo
▼ 0.25% · 3.875%
HK$76,905
−HK$2,357/mo
Today · 4.125%
HK$79,262
baseline
▲ 0.50% · 4.625%
HK$84,085
+HK$4,823/mo
Deposit HK$10.90M · loan HK$16.35M · min. income ≈ HK$158,524/mo (50% DSR)
Upfront cash ≈ HK$12.06M (deposit + AVD stamp duty HK$1,158,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,975
−HK$4,483/mo
▼ 0.25% · 3.875%
HK$85,200
−HK$2,258/mo
Today · 4.125%
HK$87,458
baseline
▲ 0.50% · 4.625%
HK$92,068
+HK$4,610/mo
Deposit HK$10.90M · loan HK$16.35M · min. income ≈ HK$174,916/mo (50% DSR)
Upfront cash ≈ HK$12.06M (deposit + AVD stamp duty HK$1,158,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,016
−HK$5,456/mo
▼ 0.25% · 3.875%
HK$89,722
−HK$2,750/mo
Today · 4.125%
HK$92,472
baseline
▲ 0.50% · 4.625%
HK$98,099
+HK$5,627/mo
Deposit HK$8.18M · loan HK$19.08M · min. income ≈ HK$184,944/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$1,158,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,804
−HK$5,230/mo
▼ 0.25% · 3.875%
HK$99,400
−HK$2,634/mo
Today · 4.125%
HK$102,034
baseline
▲ 0.50% · 4.625%
HK$107,413
+HK$5,379/mo
Deposit HK$8.18M · loan HK$19.08M · min. income ≈ HK$204,068/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$1,158,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,877
−HK$7,016/mo
▼ 0.25% · 3.875%
HK$115,357
−HK$3,536/mo
Today · 4.125%
HK$118,893
baseline
▲ 0.50% · 4.625%
HK$126,127
+HK$7,234/mo
Deposit HK$2.73M · loan HK$24.53M · min. income ≈ HK$237,786/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,158,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,462
−HK$6,725/mo
▼ 0.25% · 3.875%
HK$127,800
−HK$3,387/mo
Today · 4.125%
HK$131,187
baseline
▲ 0.50% · 4.625%
HK$138,102
+HK$6,915/mo
Deposit HK$2.73M · loan HK$24.53M · min. income ≈ HK$262,374/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,158,445 · Scale 2, in force from 26 Feb 2026)