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$60,981
−HK$3,824/mo
▼ 0.25% · 3.875%
HK$62,878
−HK$1,927/mo
Today · 4.125%
HK$64,805
baseline
▲ 0.50% · 4.625%
HK$68,748
+HK$3,943/mo
Deposit HK$13.37M · loan HK$13.37M · min. income ≈ HK$129,610/mo (50% DSR)
Upfront cash ≈ HK$14.51M (deposit + AVD stamp duty HK$1,136,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,840
−HK$3,666/mo
▼ 0.25% · 3.875%
HK$69,660
−HK$1,846/mo
Today · 4.125%
HK$71,506
baseline
▲ 0.50% · 4.625%
HK$75,275
+HK$3,769/mo
Deposit HK$13.37M · loan HK$13.37M · min. income ≈ HK$143,012/mo (50% DSR)
Upfront cash ≈ HK$14.51M (deposit + AVD stamp duty HK$1,136,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,177
−HK$4,589/mo
▼ 0.25% · 3.875%
HK$75,453
−HK$2,313/mo
Today · 4.125%
HK$77,766
baseline
▲ 0.50% · 4.625%
HK$82,498
+HK$4,732/mo
Deposit HK$10.70M · loan HK$16.05M · min. income ≈ HK$155,532/mo (50% DSR)
Upfront cash ≈ HK$11.83M (deposit + AVD stamp duty HK$1,136,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,408
−HK$4,399/mo
▼ 0.25% · 3.875%
HK$83,592
−HK$2,215/mo
Today · 4.125%
HK$85,807
baseline
▲ 0.50% · 4.625%
HK$90,330
+HK$4,523/mo
Deposit HK$10.70M · loan HK$16.05M · min. income ≈ HK$171,614/mo (50% DSR)
Upfront cash ≈ HK$11.83M (deposit + AVD stamp duty HK$1,136,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,373
−HK$5,354/mo
▼ 0.25% · 3.875%
HK$88,029
−HK$2,698/mo
Today · 4.125%
HK$90,727
baseline
▲ 0.50% · 4.625%
HK$96,247
+HK$5,520/mo
Deposit HK$8.02M · loan HK$18.72M · min. income ≈ HK$181,454/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$1,136,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,977
−HK$5,131/mo
▼ 0.25% · 3.875%
HK$97,524
−HK$2,584/mo
Today · 4.125%
HK$100,108
baseline
▲ 0.50% · 4.625%
HK$105,385
+HK$5,277/mo
Deposit HK$8.02M · loan HK$18.72M · min. income ≈ HK$200,216/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$1,136,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,765
−HK$6,883/mo
▼ 0.25% · 3.875%
HK$113,180
−HK$3,468/mo
Today · 4.125%
HK$116,648
baseline
▲ 0.50% · 4.625%
HK$123,746
+HK$7,098/mo
Deposit HK$2.67M · loan HK$24.07M · min. income ≈ HK$233,296/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,136,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,113
−HK$6,597/mo
▼ 0.25% · 3.875%
HK$125,388
−HK$3,322/mo
Today · 4.125%
HK$128,710
baseline
▲ 0.50% · 4.625%
HK$135,495
+HK$6,785/mo
Deposit HK$2.67M · loan HK$24.07M · min. income ≈ HK$257,420/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,136,574 · Scale 2, in force from 26 Feb 2026)