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$62,223
−HK$3,902/mo
▼ 0.25% · 3.875%
HK$64,158
−HK$1,967/mo
Today · 4.125%
HK$66,125
baseline
▲ 0.50% · 4.625%
HK$70,148
+HK$4,023/mo
Deposit HK$13.64M · loan HK$13.64M · min. income ≈ HK$132,250/mo (50% DSR)
Upfront cash ≈ HK$14.80M (deposit + AVD stamp duty HK$1,159,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,222
−HK$3,740/mo
▼ 0.25% · 3.875%
HK$71,079
−HK$1,883/mo
Today · 4.125%
HK$72,962
baseline
▲ 0.50% · 4.625%
HK$76,808
+HK$3,846/mo
Deposit HK$13.64M · loan HK$13.64M · min. income ≈ HK$145,924/mo (50% DSR)
Upfront cash ≈ HK$14.80M (deposit + AVD stamp duty HK$1,159,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,667
−HK$4,683/mo
▼ 0.25% · 3.875%
HK$76,990
−HK$2,360/mo
Today · 4.125%
HK$79,350
baseline
▲ 0.50% · 4.625%
HK$84,178
+HK$4,828/mo
Deposit HK$10.92M · loan HK$16.37M · min. income ≈ HK$158,700/mo (50% DSR)
Upfront cash ≈ HK$12.07M (deposit + AVD stamp duty HK$1,159,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,067
−HK$4,487/mo
▼ 0.25% · 3.875%
HK$85,294
−HK$2,260/mo
Today · 4.125%
HK$87,554
baseline
▲ 0.50% · 4.625%
HK$92,170
+HK$4,616/mo
Deposit HK$10.92M · loan HK$16.37M · min. income ≈ HK$175,108/mo (50% DSR)
Upfront cash ≈ HK$12.07M (deposit + AVD stamp duty HK$1,159,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,112
−HK$5,463/mo
▼ 0.25% · 3.875%
HK$89,822
−HK$2,753/mo
Today · 4.125%
HK$92,575
baseline
▲ 0.50% · 4.625%
HK$98,207
+HK$5,632/mo
Deposit HK$8.19M · loan HK$19.10M · min. income ≈ HK$185,150/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$1,159,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,911
−HK$5,236/mo
▼ 0.25% · 3.875%
HK$99,510
−HK$2,637/mo
Today · 4.125%
HK$102,147
baseline
▲ 0.50% · 4.625%
HK$107,531
+HK$5,384/mo
Deposit HK$8.19M · loan HK$19.10M · min. income ≈ HK$204,294/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$1,159,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,001
−HK$7,023/mo
▼ 0.25% · 3.875%
HK$115,485
−HK$3,539/mo
Today · 4.125%
HK$119,024
baseline
▲ 0.50% · 4.625%
HK$126,267
+HK$7,243/mo
Deposit HK$2.73M · loan HK$24.56M · min. income ≈ HK$238,048/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,159,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,600
−HK$6,732/mo
▼ 0.25% · 3.875%
HK$127,942
−HK$3,390/mo
Today · 4.125%
HK$131,332
baseline
▲ 0.50% · 4.625%
HK$138,254
+HK$6,922/mo
Deposit HK$2.73M · loan HK$24.56M · min. income ≈ HK$262,664/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,159,724 · Scale 2, in force from 26 Feb 2026)