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$61,513
−HK$3,857/mo
▼ 0.25% · 3.875%
HK$63,426
−HK$1,944/mo
Today · 4.125%
HK$65,370
baseline
▲ 0.50% · 4.625%
HK$69,347
+HK$3,977/mo
Deposit HK$13.49M · loan HK$13.49M · min. income ≈ HK$130,740/mo (50% DSR)
Upfront cash ≈ HK$14.63M (deposit + AVD stamp duty HK$1,146,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,432
−HK$3,697/mo
▼ 0.25% · 3.875%
HK$70,267
−HK$1,862/mo
Today · 4.125%
HK$72,129
baseline
▲ 0.50% · 4.625%
HK$75,931
+HK$3,802/mo
Deposit HK$13.49M · loan HK$13.49M · min. income ≈ HK$144,258/mo (50% DSR)
Upfront cash ≈ HK$14.63M (deposit + AVD stamp duty HK$1,146,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,815
−HK$4,629/mo
▼ 0.25% · 3.875%
HK$76,111
−HK$2,333/mo
Today · 4.125%
HK$78,444
baseline
▲ 0.50% · 4.625%
HK$83,217
+HK$4,773/mo
Deposit HK$10.79M · loan HK$16.19M · min. income ≈ HK$156,888/mo (50% DSR)
Upfront cash ≈ HK$11.94M (deposit + AVD stamp duty HK$1,146,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,118
−HK$4,437/mo
▼ 0.25% · 3.875%
HK$84,321
−HK$2,234/mo
Today · 4.125%
HK$86,555
baseline
▲ 0.50% · 4.625%
HK$91,117
+HK$4,562/mo
Deposit HK$10.79M · loan HK$16.19M · min. income ≈ HK$173,110/mo (50% DSR)
Upfront cash ≈ HK$11.94M (deposit + AVD stamp duty HK$1,146,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,118
−HK$5,400/mo
▼ 0.25% · 3.875%
HK$88,796
−HK$2,722/mo
Today · 4.125%
HK$91,518
baseline
▲ 0.50% · 4.625%
HK$97,086
+HK$5,568/mo
Deposit HK$8.09M · loan HK$18.88M · min. income ≈ HK$183,036/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$1,146,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,805
−HK$5,176/mo
▼ 0.25% · 3.875%
HK$98,374
−HK$2,607/mo
Today · 4.125%
HK$100,981
baseline
▲ 0.50% · 4.625%
HK$106,304
+HK$5,323/mo
Deposit HK$8.09M · loan HK$18.88M · min. income ≈ HK$201,962/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$1,146,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,723
−HK$6,943/mo
▼ 0.25% · 3.875%
HK$114,167
−HK$3,499/mo
Today · 4.125%
HK$117,666
baseline
▲ 0.50% · 4.625%
HK$124,825
+HK$7,159/mo
Deposit HK$2.70M · loan HK$24.28M · min. income ≈ HK$235,332/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,146,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,178
−HK$6,655/mo
▼ 0.25% · 3.875%
HK$126,481
−HK$3,352/mo
Today · 4.125%
HK$129,833
baseline
▲ 0.50% · 4.625%
HK$136,676
+HK$6,843/mo
Deposit HK$2.70M · loan HK$24.28M · min. income ≈ HK$259,666/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,146,486 · Scale 2, in force from 26 Feb 2026)