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$61,713
−HK$3,870/mo
▼ 0.25% · 3.875%
HK$63,633
−HK$1,950/mo
Today · 4.125%
HK$65,583
baseline
▲ 0.50% · 4.625%
HK$69,574
+HK$3,991/mo
Deposit HK$13.53M · loan HK$13.53M · min. income ≈ HK$131,166/mo (50% DSR)
Upfront cash ≈ HK$14.68M (deposit + AVD stamp duty HK$1,150,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,655
−HK$3,710/mo
▼ 0.25% · 3.875%
HK$70,497
−HK$1,868/mo
Today · 4.125%
HK$72,365
baseline
▲ 0.50% · 4.625%
HK$76,179
+HK$3,814/mo
Deposit HK$13.53M · loan HK$13.53M · min. income ≈ HK$144,730/mo (50% DSR)
Upfront cash ≈ HK$14.68M (deposit + AVD stamp duty HK$1,150,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,056
−HK$4,644/mo
▼ 0.25% · 3.875%
HK$76,360
−HK$2,340/mo
Today · 4.125%
HK$78,700
baseline
▲ 0.50% · 4.625%
HK$83,489
+HK$4,789/mo
Deposit HK$10.83M · loan HK$16.24M · min. income ≈ HK$157,400/mo (50% DSR)
Upfront cash ≈ HK$11.98M (deposit + AVD stamp duty HK$1,150,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,387
−HK$4,451/mo
▼ 0.25% · 3.875%
HK$84,596
−HK$2,242/mo
Today · 4.125%
HK$86,838
baseline
▲ 0.50% · 4.625%
HK$91,415
+HK$4,577/mo
Deposit HK$10.83M · loan HK$16.24M · min. income ≈ HK$173,676/mo (50% DSR)
Upfront cash ≈ HK$11.98M (deposit + AVD stamp duty HK$1,150,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,399
−HK$5,418/mo
▼ 0.25% · 3.875%
HK$89,086
−HK$2,731/mo
Today · 4.125%
HK$91,817
baseline
▲ 0.50% · 4.625%
HK$97,403
+HK$5,586/mo
Deposit HK$8.12M · loan HK$18.94M · min. income ≈ HK$183,634/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$1,150,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,118
−HK$5,193/mo
▼ 0.25% · 3.875%
HK$98,696
−HK$2,615/mo
Today · 4.125%
HK$101,311
baseline
▲ 0.50% · 4.625%
HK$106,651
+HK$5,340/mo
Deposit HK$8.12M · loan HK$18.94M · min. income ≈ HK$202,622/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$1,150,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,084
−HK$6,966/mo
▼ 0.25% · 3.875%
HK$114,539
−HK$3,511/mo
Today · 4.125%
HK$118,050
baseline
▲ 0.50% · 4.625%
HK$125,233
+HK$7,183/mo
Deposit HK$2.71M · loan HK$24.36M · min. income ≈ HK$236,100/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,150,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,580
−HK$6,677/mo
▼ 0.25% · 3.875%
HK$126,894
−HK$3,363/mo
Today · 4.125%
HK$130,257
baseline
▲ 0.50% · 4.625%
HK$137,123
+HK$6,866/mo
Deposit HK$2.71M · loan HK$24.36M · min. income ≈ HK$260,514/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,150,230 · Scale 2, in force from 26 Feb 2026)