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$63,479
−HK$3,981/mo
▼ 0.25% · 3.875%
HK$65,453
−HK$2,007/mo
Today · 4.125%
HK$67,460
baseline
▲ 0.50% · 4.625%
HK$71,564
+HK$4,104/mo
Deposit HK$13.92M · loan HK$13.92M · min. income ≈ HK$134,920/mo (50% DSR)
Upfront cash ≈ HK$15.10M (deposit + AVD stamp duty HK$1,183,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,620
−HK$3,815/mo
▼ 0.25% · 3.875%
HK$72,514
−HK$1,921/mo
Today · 4.125%
HK$74,435
baseline
▲ 0.50% · 4.625%
HK$78,358
+HK$3,923/mo
Deposit HK$13.92M · loan HK$13.92M · min. income ≈ HK$148,870/mo (50% DSR)
Upfront cash ≈ HK$15.10M (deposit + AVD stamp duty HK$1,183,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,175
−HK$4,776/mo
▼ 0.25% · 3.875%
HK$78,544
−HK$2,407/mo
Today · 4.125%
HK$80,951
baseline
▲ 0.50% · 4.625%
HK$85,877
+HK$4,926/mo
Deposit HK$11.14M · loan HK$16.70M · min. income ≈ HK$161,902/mo (50% DSR)
Upfront cash ≈ HK$12.32M (deposit + AVD stamp duty HK$1,183,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,743
−HK$4,579/mo
▼ 0.25% · 3.875%
HK$87,016
−HK$2,306/mo
Today · 4.125%
HK$89,322
baseline
▲ 0.50% · 4.625%
HK$94,030
+HK$4,708/mo
Deposit HK$11.14M · loan HK$16.70M · min. income ≈ HK$178,644/mo (50% DSR)
Upfront cash ≈ HK$12.32M (deposit + AVD stamp duty HK$1,183,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,870
−HK$5,573/mo
▼ 0.25% · 3.875%
HK$91,635
−HK$2,808/mo
Today · 4.125%
HK$94,443
baseline
▲ 0.50% · 4.625%
HK$100,190
+HK$5,747/mo
Deposit HK$8.35M · loan HK$19.49M · min. income ≈ HK$188,886/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$1,183,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,867
−HK$5,342/mo
▼ 0.25% · 3.875%
HK$101,519
−HK$2,690/mo
Today · 4.125%
HK$104,209
baseline
▲ 0.50% · 4.625%
HK$109,702
+HK$5,493/mo
Deposit HK$8.35M · loan HK$19.49M · min. income ≈ HK$208,418/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$1,183,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,262
−HK$7,165/mo
▼ 0.25% · 3.875%
HK$117,816
−HK$3,611/mo
Today · 4.125%
HK$121,427
baseline
▲ 0.50% · 4.625%
HK$128,816
+HK$7,389/mo
Deposit HK$2.78M · loan HK$25.05M · min. income ≈ HK$242,854/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,183,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,115
−HK$6,868/mo
▼ 0.25% · 3.875%
HK$130,524
−HK$3,459/mo
Today · 4.125%
HK$133,983
baseline
▲ 0.50% · 4.625%
HK$141,045
+HK$7,062/mo
Deposit HK$2.78M · loan HK$25.05M · min. income ≈ HK$267,966/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,183,135 · Scale 2, in force from 26 Feb 2026)