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$62,889
−HK$3,944/mo
▼ 0.25% · 3.875%
HK$64,845
−HK$1,988/mo
Today · 4.125%
HK$66,833
baseline
▲ 0.50% · 4.625%
HK$70,899
+HK$4,066/mo
Deposit HK$13.79M · loan HK$13.79M · min. income ≈ HK$133,666/mo (50% DSR)
Upfront cash ≈ HK$14.96M (deposit + AVD stamp duty HK$1,172,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,963
−HK$3,780/mo
▼ 0.25% · 3.875%
HK$71,840
−HK$1,903/mo
Today · 4.125%
HK$73,743
baseline
▲ 0.50% · 4.625%
HK$77,630
+HK$3,887/mo
Deposit HK$13.79M · loan HK$13.79M · min. income ≈ HK$147,486/mo (50% DSR)
Upfront cash ≈ HK$14.96M (deposit + AVD stamp duty HK$1,172,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,467
−HK$4,732/mo
▼ 0.25% · 3.875%
HK$77,814
−HK$2,385/mo
Today · 4.125%
HK$80,199
baseline
▲ 0.50% · 4.625%
HK$85,079
+HK$4,880/mo
Deposit HK$11.03M · loan HK$16.55M · min. income ≈ HK$160,398/mo (50% DSR)
Upfront cash ≈ HK$12.20M (deposit + AVD stamp duty HK$1,172,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,956
−HK$4,536/mo
▼ 0.25% · 3.875%
HK$86,207
−HK$2,285/mo
Today · 4.125%
HK$88,492
baseline
▲ 0.50% · 4.625%
HK$93,156
+HK$4,664/mo
Deposit HK$11.03M · loan HK$16.55M · min. income ≈ HK$176,984/mo (50% DSR)
Upfront cash ≈ HK$12.20M (deposit + AVD stamp duty HK$1,172,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,044
−HK$5,522/mo
▼ 0.25% · 3.875%
HK$90,783
−HK$2,783/mo
Today · 4.125%
HK$93,566
baseline
▲ 0.50% · 4.625%
HK$99,259
+HK$5,693/mo
Deposit HK$8.27M · loan HK$19.31M · min. income ≈ HK$187,132/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$1,172,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,948
−HK$5,292/mo
▼ 0.25% · 3.875%
HK$100,575
−HK$2,665/mo
Today · 4.125%
HK$103,240
baseline
▲ 0.50% · 4.625%
HK$108,682
+HK$5,442/mo
Deposit HK$8.27M · loan HK$19.31M · min. income ≈ HK$206,480/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$1,172,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,200
−HK$7,099/mo
▼ 0.25% · 3.875%
HK$116,721
−HK$3,578/mo
Today · 4.125%
HK$120,299
baseline
▲ 0.50% · 4.625%
HK$127,618
+HK$7,319/mo
Deposit HK$2.76M · loan HK$24.82M · min. income ≈ HK$240,598/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,172,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,934
−HK$6,804/mo
▼ 0.25% · 3.875%
HK$129,311
−HK$3,427/mo
Today · 4.125%
HK$132,738
baseline
▲ 0.50% · 4.625%
HK$139,734
+HK$6,996/mo
Deposit HK$2.76M · loan HK$24.82M · min. income ≈ HK$265,476/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,172,138 · Scale 2, in force from 26 Feb 2026)