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$63,312
−HK$3,970/mo
▼ 0.25% · 3.875%
HK$65,281
−HK$2,001/mo
Today · 4.125%
HK$67,282
baseline
▲ 0.50% · 4.625%
HK$71,376
+HK$4,094/mo
Deposit HK$13.88M · loan HK$13.88M · min. income ≈ HK$134,564/mo (50% DSR)
Upfront cash ≈ HK$15.06M (deposit + AVD stamp duty HK$1,180,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,434
−HK$3,805/mo
▼ 0.25% · 3.875%
HK$72,323
−HK$1,916/mo
Today · 4.125%
HK$74,239
baseline
▲ 0.50% · 4.625%
HK$78,152
+HK$3,913/mo
Deposit HK$13.88M · loan HK$13.88M · min. income ≈ HK$148,478/mo (50% DSR)
Upfront cash ≈ HK$15.06M (deposit + AVD stamp duty HK$1,180,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,974
−HK$4,764/mo
▼ 0.25% · 3.875%
HK$78,337
−HK$2,401/mo
Today · 4.125%
HK$80,738
baseline
▲ 0.50% · 4.625%
HK$85,651
+HK$4,913/mo
Deposit HK$11.11M · loan HK$16.66M · min. income ≈ HK$161,476/mo (50% DSR)
Upfront cash ≈ HK$12.29M (deposit + AVD stamp duty HK$1,180,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,520
−HK$4,567/mo
▼ 0.25% · 3.875%
HK$86,787
−HK$2,300/mo
Today · 4.125%
HK$89,087
baseline
▲ 0.50% · 4.625%
HK$93,783
+HK$4,696/mo
Deposit HK$11.11M · loan HK$16.66M · min. income ≈ HK$178,174/mo (50% DSR)
Upfront cash ≈ HK$12.29M (deposit + AVD stamp duty HK$1,180,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,636
−HK$5,559/mo
▼ 0.25% · 3.875%
HK$91,394
−HK$2,801/mo
Today · 4.125%
HK$94,195
baseline
▲ 0.50% · 4.625%
HK$99,926
+HK$5,731/mo
Deposit HK$8.33M · loan HK$19.44M · min. income ≈ HK$188,390/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$1,180,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,607
−HK$5,328/mo
▼ 0.25% · 3.875%
HK$101,252
−HK$2,683/mo
Today · 4.125%
HK$103,935
baseline
▲ 0.50% · 4.625%
HK$109,413
+HK$5,478/mo
Deposit HK$8.33M · loan HK$19.44M · min. income ≈ HK$207,870/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$1,180,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,961
−HK$7,147/mo
▼ 0.25% · 3.875%
HK$117,506
−HK$3,602/mo
Today · 4.125%
HK$121,108
baseline
▲ 0.50% · 4.625%
HK$128,477
+HK$7,369/mo
Deposit HK$2.78M · loan HK$24.99M · min. income ≈ HK$242,216/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$1,180,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,781
−HK$6,849/mo
▼ 0.25% · 3.875%
HK$130,181
−HK$3,449/mo
Today · 4.125%
HK$133,630
baseline
▲ 0.50% · 4.625%
HK$140,674
+HK$7,044/mo
Deposit HK$2.78M · loan HK$24.99M · min. income ≈ HK$267,260/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$1,180,021 · Scale 2, in force from 26 Feb 2026)