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$62,207
−HK$3,901/mo
▼ 0.25% · 3.875%
HK$64,142
−HK$1,966/mo
Today · 4.125%
HK$66,108
baseline
▲ 0.50% · 4.625%
HK$70,130
+HK$4,022/mo
Deposit HK$13.64M · loan HK$13.64M · min. income ≈ HK$132,216/mo (50% DSR)
Upfront cash ≈ HK$14.80M (deposit + AVD stamp duty HK$1,159,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,204
−HK$3,739/mo
▼ 0.25% · 3.875%
HK$71,060
−HK$1,883/mo
Today · 4.125%
HK$72,943
baseline
▲ 0.50% · 4.625%
HK$76,788
+HK$3,845/mo
Deposit HK$13.64M · loan HK$13.64M · min. income ≈ HK$145,886/mo (50% DSR)
Upfront cash ≈ HK$14.80M (deposit + AVD stamp duty HK$1,159,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,648
−HK$4,681/mo
▼ 0.25% · 3.875%
HK$76,970
−HK$2,359/mo
Today · 4.125%
HK$79,329
baseline
▲ 0.50% · 4.625%
HK$84,156
+HK$4,827/mo
Deposit HK$10.91M · loan HK$16.37M · min. income ≈ HK$158,658/mo (50% DSR)
Upfront cash ≈ HK$12.07M (deposit + AVD stamp duty HK$1,159,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,045
−HK$4,487/mo
▼ 0.25% · 3.875%
HK$85,272
−HK$2,260/mo
Today · 4.125%
HK$87,532
baseline
▲ 0.50% · 4.625%
HK$92,146
+HK$4,614/mo
Deposit HK$10.91M · loan HK$16.37M · min. income ≈ HK$175,064/mo (50% DSR)
Upfront cash ≈ HK$12.07M (deposit + AVD stamp duty HK$1,159,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,089
−HK$5,462/mo
▼ 0.25% · 3.875%
HK$89,798
−HK$2,753/mo
Today · 4.125%
HK$92,551
baseline
▲ 0.50% · 4.625%
HK$98,182
+HK$5,631/mo
Deposit HK$8.18M · loan HK$19.10M · min. income ≈ HK$185,102/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$1,159,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,886
−HK$5,235/mo
▼ 0.25% · 3.875%
HK$99,485
−HK$2,636/mo
Today · 4.125%
HK$102,121
baseline
▲ 0.50% · 4.625%
HK$107,504
+HK$5,383/mo
Deposit HK$8.18M · loan HK$19.10M · min. income ≈ HK$204,242/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$1,159,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,972
−HK$7,022/mo
▼ 0.25% · 3.875%
HK$115,455
−HK$3,539/mo
Today · 4.125%
HK$118,994
baseline
▲ 0.50% · 4.625%
HK$126,234
+HK$7,240/mo
Deposit HK$2.73M · loan HK$24.55M · min. income ≈ HK$237,988/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,159,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,568
−HK$6,730/mo
▼ 0.25% · 3.875%
HK$127,909
−HK$3,389/mo
Today · 4.125%
HK$131,298
baseline
▲ 0.50% · 4.625%
HK$138,219
+HK$6,921/mo
Deposit HK$2.73M · loan HK$24.55M · min. income ≈ HK$262,596/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,159,426 · Scale 2, in force from 26 Feb 2026)