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$62,450
−HK$3,916/mo
▼ 0.25% · 3.875%
HK$64,393
−HK$1,973/mo
Today · 4.125%
HK$66,366
baseline
▲ 0.50% · 4.625%
HK$70,405
+HK$4,039/mo
Deposit HK$13.69M · loan HK$13.69M · min. income ≈ HK$132,732/mo (50% DSR)
Upfront cash ≈ HK$14.86M (deposit + AVD stamp duty HK$1,163,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,475
−HK$3,754/mo
▼ 0.25% · 3.875%
HK$71,338
−HK$1,891/mo
Today · 4.125%
HK$73,229
baseline
▲ 0.50% · 4.625%
HK$77,089
+HK$3,860/mo
Deposit HK$13.69M · loan HK$13.69M · min. income ≈ HK$146,458/mo (50% DSR)
Upfront cash ≈ HK$14.86M (deposit + AVD stamp duty HK$1,163,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,940
−HK$4,700/mo
▼ 0.25% · 3.875%
HK$77,271
−HK$2,369/mo
Today · 4.125%
HK$79,640
baseline
▲ 0.50% · 4.625%
HK$84,486
+HK$4,846/mo
Deposit HK$10.95M · loan HK$16.43M · min. income ≈ HK$159,280/mo (50% DSR)
Upfront cash ≈ HK$12.12M (deposit + AVD stamp duty HK$1,163,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,370
−HK$4,504/mo
▼ 0.25% · 3.875%
HK$85,606
−HK$2,268/mo
Today · 4.125%
HK$87,874
baseline
▲ 0.50% · 4.625%
HK$92,506
+HK$4,632/mo
Deposit HK$10.95M · loan HK$16.43M · min. income ≈ HK$175,748/mo (50% DSR)
Upfront cash ≈ HK$12.12M (deposit + AVD stamp duty HK$1,163,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,430
−HK$5,483/mo
▼ 0.25% · 3.875%
HK$90,150
−HK$2,763/mo
Today · 4.125%
HK$92,913
baseline
▲ 0.50% · 4.625%
HK$98,566
+HK$5,653/mo
Deposit HK$8.22M · loan HK$19.17M · min. income ≈ HK$185,826/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$1,163,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,265
−HK$5,255/mo
▼ 0.25% · 3.875%
HK$99,874
−HK$2,646/mo
Today · 4.125%
HK$102,520
baseline
▲ 0.50% · 4.625%
HK$107,924
+HK$5,404/mo
Deposit HK$8.22M · loan HK$19.17M · min. income ≈ HK$205,040/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$1,163,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,410
−HK$7,049/mo
▼ 0.25% · 3.875%
HK$115,907
−HK$3,552/mo
Today · 4.125%
HK$119,459
baseline
▲ 0.50% · 4.625%
HK$126,728
+HK$7,269/mo
Deposit HK$2.74M · loan HK$24.65M · min. income ≈ HK$238,918/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,163,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,055
−HK$6,757/mo
▼ 0.25% · 3.875%
HK$128,409
−HK$3,403/mo
Today · 4.125%
HK$131,812
baseline
▲ 0.50% · 4.625%
HK$138,760
+HK$6,948/mo
Deposit HK$2.74M · loan HK$24.65M · min. income ≈ HK$263,624/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,163,963 · Scale 2, in force from 26 Feb 2026)