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$63,557
−HK$3,985/mo
▼ 0.25% · 3.875%
HK$65,534
−HK$2,008/mo
Today · 4.125%
HK$67,542
baseline
▲ 0.50% · 4.625%
HK$71,652
+HK$4,110/mo
Deposit HK$13.94M · loan HK$13.94M · min. income ≈ HK$135,084/mo (50% DSR)
Upfront cash ≈ HK$15.12M (deposit + AVD stamp duty HK$1,184,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,706
−HK$3,820/mo
▼ 0.25% · 3.875%
HK$72,603
−HK$1,923/mo
Today · 4.125%
HK$74,526
baseline
▲ 0.50% · 4.625%
HK$78,455
+HK$3,929/mo
Deposit HK$13.94M · loan HK$13.94M · min. income ≈ HK$149,052/mo (50% DSR)
Upfront cash ≈ HK$15.12M (deposit + AVD stamp duty HK$1,184,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,268
−HK$4,783/mo
▼ 0.25% · 3.875%
HK$78,640
−HK$2,411/mo
Today · 4.125%
HK$81,051
baseline
▲ 0.50% · 4.625%
HK$85,982
+HK$4,931/mo
Deposit HK$11.15M · loan HK$16.72M · min. income ≈ HK$162,102/mo (50% DSR)
Upfront cash ≈ HK$12.33M (deposit + AVD stamp duty HK$1,184,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,847
−HK$4,585/mo
▼ 0.25% · 3.875%
HK$87,123
−HK$2,309/mo
Today · 4.125%
HK$89,432
baseline
▲ 0.50% · 4.625%
HK$94,146
+HK$4,714/mo
Deposit HK$11.15M · loan HK$16.72M · min. income ≈ HK$178,864/mo (50% DSR)
Upfront cash ≈ HK$12.33M (deposit + AVD stamp duty HK$1,184,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,979
−HK$5,580/mo
▼ 0.25% · 3.875%
HK$91,747
−HK$2,812/mo
Today · 4.125%
HK$94,559
baseline
▲ 0.50% · 4.625%
HK$100,313
+HK$5,754/mo
Deposit HK$8.36M · loan HK$19.51M · min. income ≈ HK$189,118/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$1,184,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,989
−HK$5,348/mo
▼ 0.25% · 3.875%
HK$101,644
−HK$2,693/mo
Today · 4.125%
HK$104,337
baseline
▲ 0.50% · 4.625%
HK$109,836
+HK$5,499/mo
Deposit HK$8.36M · loan HK$19.51M · min. income ≈ HK$208,674/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$1,184,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,402
−HK$7,174/mo
▼ 0.25% · 3.875%
HK$117,961
−HK$3,615/mo
Today · 4.125%
HK$121,576
baseline
▲ 0.50% · 4.625%
HK$128,974
+HK$7,398/mo
Deposit HK$2.79M · loan HK$25.09M · min. income ≈ HK$243,152/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,184,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,271
−HK$6,876/mo
▼ 0.25% · 3.875%
HK$130,685
−HK$3,462/mo
Today · 4.125%
HK$134,147
baseline
▲ 0.50% · 4.625%
HK$141,218
+HK$7,071/mo
Deposit HK$2.79M · loan HK$25.09M · min. income ≈ HK$268,294/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,184,587 · Scale 2, in force from 26 Feb 2026)