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$61,276
−HK$3,842/mo
▼ 0.25% · 3.875%
HK$63,182
−HK$1,936/mo
Today · 4.125%
HK$65,118
baseline
▲ 0.50% · 4.625%
HK$69,081
+HK$3,963/mo
Deposit HK$13.44M · loan HK$13.44M · min. income ≈ HK$130,236/mo (50% DSR)
Upfront cash ≈ HK$14.58M (deposit + AVD stamp duty HK$1,142,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,169
−HK$3,683/mo
▼ 0.25% · 3.875%
HK$69,997
−HK$1,855/mo
Today · 4.125%
HK$71,852
baseline
▲ 0.50% · 4.625%
HK$75,639
+HK$3,787/mo
Deposit HK$13.44M · loan HK$13.44M · min. income ≈ HK$143,704/mo (50% DSR)
Upfront cash ≈ HK$14.58M (deposit + AVD stamp duty HK$1,142,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,531
−HK$4,611/mo
▼ 0.25% · 3.875%
HK$75,818
−HK$2,324/mo
Today · 4.125%
HK$78,142
baseline
▲ 0.50% · 4.625%
HK$82,897
+HK$4,755/mo
Deposit HK$10.75M · loan HK$16.12M · min. income ≈ HK$156,284/mo (50% DSR)
Upfront cash ≈ HK$11.89M (deposit + AVD stamp duty HK$1,142,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,803
−HK$4,419/mo
▼ 0.25% · 3.875%
HK$83,996
−HK$2,226/mo
Today · 4.125%
HK$86,222
baseline
▲ 0.50% · 4.625%
HK$90,767
+HK$4,545/mo
Deposit HK$10.75M · loan HK$16.12M · min. income ≈ HK$172,444/mo (50% DSR)
Upfront cash ≈ HK$11.89M (deposit + AVD stamp duty HK$1,142,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,786
−HK$5,380/mo
▼ 0.25% · 3.875%
HK$88,455
−HK$2,711/mo
Today · 4.125%
HK$91,166
baseline
▲ 0.50% · 4.625%
HK$96,713
+HK$5,547/mo
Deposit HK$8.06M · loan HK$18.81M · min. income ≈ HK$182,332/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$1,142,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,436
−HK$5,156/mo
▼ 0.25% · 3.875%
HK$97,996
−HK$2,596/mo
Today · 4.125%
HK$100,592
baseline
▲ 0.50% · 4.625%
HK$105,895
+HK$5,303/mo
Deposit HK$8.06M · loan HK$18.81M · min. income ≈ HK$201,184/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$1,142,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,297
−HK$6,916/mo
▼ 0.25% · 3.875%
HK$113,727
−HK$3,486/mo
Today · 4.125%
HK$117,213
baseline
▲ 0.50% · 4.625%
HK$124,345
+HK$7,132/mo
Deposit HK$2.69M · loan HK$24.19M · min. income ≈ HK$234,426/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,142,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,704
−HK$6,629/mo
▼ 0.25% · 3.875%
HK$125,995
−HK$3,338/mo
Today · 4.125%
HK$129,333
baseline
▲ 0.50% · 4.625%
HK$136,150
+HK$6,817/mo
Deposit HK$2.69M · loan HK$24.19M · min. income ≈ HK$258,666/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,142,076 · Scale 2, in force from 26 Feb 2026)