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$62,275
−HK$3,905/mo
▼ 0.25% · 3.875%
HK$64,212
−HK$1,968/mo
Today · 4.125%
HK$66,180
baseline
▲ 0.50% · 4.625%
HK$70,207
+HK$4,027/mo
Deposit HK$13.66M · loan HK$13.66M · min. income ≈ HK$132,360/mo (50% DSR)
Upfront cash ≈ HK$14.82M (deposit + AVD stamp duty HK$1,160,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,281
−HK$3,743/mo
▼ 0.25% · 3.875%
HK$71,139
−HK$1,885/mo
Today · 4.125%
HK$73,024
baseline
▲ 0.50% · 4.625%
HK$76,873
+HK$3,849/mo
Deposit HK$13.66M · loan HK$13.66M · min. income ≈ HK$146,048/mo (50% DSR)
Upfront cash ≈ HK$14.82M (deposit + AVD stamp duty HK$1,160,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,730
−HK$4,686/mo
▼ 0.25% · 3.875%
HK$77,055
−HK$2,361/mo
Today · 4.125%
HK$79,416
baseline
▲ 0.50% · 4.625%
HK$84,249
+HK$4,833/mo
Deposit HK$10.92M · loan HK$16.39M · min. income ≈ HK$158,832/mo (50% DSR)
Upfront cash ≈ HK$12.08M (deposit + AVD stamp duty HK$1,160,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,137
−HK$4,491/mo
▼ 0.25% · 3.875%
HK$85,366
−HK$2,262/mo
Today · 4.125%
HK$87,628
baseline
▲ 0.50% · 4.625%
HK$92,247
+HK$4,619/mo
Deposit HK$10.92M · loan HK$16.39M · min. income ≈ HK$175,256/mo (50% DSR)
Upfront cash ≈ HK$12.08M (deposit + AVD stamp duty HK$1,160,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,185
−HK$5,468/mo
▼ 0.25% · 3.875%
HK$89,897
−HK$2,756/mo
Today · 4.125%
HK$92,653
baseline
▲ 0.50% · 4.625%
HK$98,290
+HK$5,637/mo
Deposit HK$8.19M · loan HK$19.12M · min. income ≈ HK$185,306/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$1,160,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,993
−HK$5,240/mo
▼ 0.25% · 3.875%
HK$99,594
−HK$2,639/mo
Today · 4.125%
HK$102,233
baseline
▲ 0.50% · 4.625%
HK$107,622
+HK$5,389/mo
Deposit HK$8.19M · loan HK$19.12M · min. income ≈ HK$204,466/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$1,160,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,095
−HK$7,030/mo
▼ 0.25% · 3.875%
HK$115,582
−HK$3,543/mo
Today · 4.125%
HK$119,125
baseline
▲ 0.50% · 4.625%
HK$126,373
+HK$7,248/mo
Deposit HK$2.73M · loan HK$24.58M · min. income ≈ HK$238,250/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,160,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,705
−HK$6,737/mo
▼ 0.25% · 3.875%
HK$128,049
−HK$3,393/mo
Today · 4.125%
HK$131,442
baseline
▲ 0.50% · 4.625%
HK$138,371
+HK$6,929/mo
Deposit HK$2.73M · loan HK$24.58M · min. income ≈ HK$262,884/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,160,701 · Scale 2, in force from 26 Feb 2026)