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$61,716
−HK$3,870/mo
▼ 0.25% · 3.875%
HK$63,636
−HK$1,950/mo
Today · 4.125%
HK$65,586
baseline
▲ 0.50% · 4.625%
HK$69,577
+HK$3,991/mo
Deposit HK$13.53M · loan HK$13.53M · min. income ≈ HK$131,172/mo (50% DSR)
Upfront cash ≈ HK$14.68M (deposit + AVD stamp duty HK$1,150,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,658
−HK$3,710/mo
▼ 0.25% · 3.875%
HK$70,500
−HK$1,868/mo
Today · 4.125%
HK$72,368
baseline
▲ 0.50% · 4.625%
HK$76,183
+HK$3,815/mo
Deposit HK$13.53M · loan HK$13.53M · min. income ≈ HK$144,736/mo (50% DSR)
Upfront cash ≈ HK$14.68M (deposit + AVD stamp duty HK$1,150,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,059
−HK$4,644/mo
▼ 0.25% · 3.875%
HK$76,363
−HK$2,340/mo
Today · 4.125%
HK$78,703
baseline
▲ 0.50% · 4.625%
HK$83,492
+HK$4,789/mo
Deposit HK$10.83M · loan HK$16.24M · min. income ≈ HK$157,406/mo (50% DSR)
Upfront cash ≈ HK$11.98M (deposit + AVD stamp duty HK$1,150,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,390
−HK$4,451/mo
▼ 0.25% · 3.875%
HK$84,600
−HK$2,241/mo
Today · 4.125%
HK$86,841
baseline
▲ 0.50% · 4.625%
HK$91,419
+HK$4,578/mo
Deposit HK$10.83M · loan HK$16.24M · min. income ≈ HK$173,682/mo (50% DSR)
Upfront cash ≈ HK$11.98M (deposit + AVD stamp duty HK$1,150,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,402
−HK$5,419/mo
▼ 0.25% · 3.875%
HK$89,090
−HK$2,731/mo
Today · 4.125%
HK$91,821
baseline
▲ 0.50% · 4.625%
HK$97,408
+HK$5,587/mo
Deposit HK$8.12M · loan HK$18.95M · min. income ≈ HK$183,642/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$1,150,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,122
−HK$5,193/mo
▼ 0.25% · 3.875%
HK$98,700
−HK$2,615/mo
Today · 4.125%
HK$101,315
baseline
▲ 0.50% · 4.625%
HK$106,656
+HK$5,341/mo
Deposit HK$8.12M · loan HK$18.95M · min. income ≈ HK$202,630/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$1,150,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,089
−HK$6,966/mo
▼ 0.25% · 3.875%
HK$114,544
−HK$3,511/mo
Today · 4.125%
HK$118,055
baseline
▲ 0.50% · 4.625%
HK$125,239
+HK$7,184/mo
Deposit HK$2.71M · loan HK$24.36M · min. income ≈ HK$236,110/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,150,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,585
−HK$6,677/mo
▼ 0.25% · 3.875%
HK$126,900
−HK$3,362/mo
Today · 4.125%
HK$130,262
baseline
▲ 0.50% · 4.625%
HK$137,129
+HK$6,867/mo
Deposit HK$2.71M · loan HK$24.36M · min. income ≈ HK$260,524/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,150,280 · Scale 2, in force from 26 Feb 2026)