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$62,012
−HK$3,889/mo
▼ 0.25% · 3.875%
HK$63,941
−HK$1,960/mo
Today · 4.125%
HK$65,901
baseline
▲ 0.50% · 4.625%
HK$69,910
+HK$4,009/mo
Deposit HK$13.60M · loan HK$13.60M · min. income ≈ HK$131,802/mo (50% DSR)
Upfront cash ≈ HK$14.75M (deposit + AVD stamp duty HK$1,155,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,988
−HK$3,727/mo
▼ 0.25% · 3.875%
HK$70,838
−HK$1,877/mo
Today · 4.125%
HK$72,715
baseline
▲ 0.50% · 4.625%
HK$76,548
+HK$3,833/mo
Deposit HK$13.60M · loan HK$13.60M · min. income ≈ HK$145,430/mo (50% DSR)
Upfront cash ≈ HK$14.75M (deposit + AVD stamp duty HK$1,155,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,414
−HK$4,667/mo
▼ 0.25% · 3.875%
HK$76,729
−HK$2,352/mo
Today · 4.125%
HK$79,081
baseline
▲ 0.50% · 4.625%
HK$83,893
+HK$4,812/mo
Deposit HK$10.88M · loan HK$16.32M · min. income ≈ HK$158,162/mo (50% DSR)
Upfront cash ≈ HK$12.03M (deposit + AVD stamp duty HK$1,155,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,785
−HK$4,473/mo
▼ 0.25% · 3.875%
HK$85,005
−HK$2,253/mo
Today · 4.125%
HK$87,258
baseline
▲ 0.50% · 4.625%
HK$91,857
+HK$4,599/mo
Deposit HK$10.88M · loan HK$16.32M · min. income ≈ HK$174,516/mo (50% DSR)
Upfront cash ≈ HK$12.03M (deposit + AVD stamp duty HK$1,155,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,817
−HK$5,444/mo
▼ 0.25% · 3.875%
HK$89,517
−HK$2,744/mo
Today · 4.125%
HK$92,261
baseline
▲ 0.50% · 4.625%
HK$97,875
+HK$5,614/mo
Deposit HK$8.16M · loan HK$19.04M · min. income ≈ HK$184,522/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$1,155,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,583
−HK$5,218/mo
▼ 0.25% · 3.875%
HK$99,173
−HK$2,628/mo
Today · 4.125%
HK$101,801
baseline
▲ 0.50% · 4.625%
HK$107,167
+HK$5,366/mo
Deposit HK$8.16M · loan HK$19.04M · min. income ≈ HK$203,602/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$1,155,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,621
−HK$7,000/mo
▼ 0.25% · 3.875%
HK$115,093
−HK$3,528/mo
Today · 4.125%
HK$118,621
baseline
▲ 0.50% · 4.625%
HK$125,839
+HK$7,218/mo
Deposit HK$2.72M · loan HK$24.48M · min. income ≈ HK$237,242/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,155,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,178
−HK$6,709/mo
▼ 0.25% · 3.875%
HK$127,508
−HK$3,379/mo
Today · 4.125%
HK$130,887
baseline
▲ 0.50% · 4.625%
HK$137,786
+HK$6,899/mo
Deposit HK$2.72M · loan HK$24.48M · min. income ≈ HK$261,774/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,155,794 · Scale 2, in force from 26 Feb 2026)