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$62,905
−HK$3,945/mo
▼ 0.25% · 3.875%
HK$64,862
−HK$1,988/mo
Today · 4.125%
HK$66,850
baseline
▲ 0.50% · 4.625%
HK$70,918
+HK$4,068/mo
Deposit HK$13.79M · loan HK$13.79M · min. income ≈ HK$133,700/mo (50% DSR)
Upfront cash ≈ HK$14.97M (deposit + AVD stamp duty HK$1,172,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,982
−HK$3,780/mo
▼ 0.25% · 3.875%
HK$71,858
−HK$1,904/mo
Today · 4.125%
HK$73,762
baseline
▲ 0.50% · 4.625%
HK$77,651
+HK$3,889/mo
Deposit HK$13.79M · loan HK$13.79M · min. income ≈ HK$147,524/mo (50% DSR)
Upfront cash ≈ HK$14.97M (deposit + AVD stamp duty HK$1,172,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,486
−HK$4,734/mo
▼ 0.25% · 3.875%
HK$77,834
−HK$2,386/mo
Today · 4.125%
HK$80,220
baseline
▲ 0.50% · 4.625%
HK$85,101
+HK$4,881/mo
Deposit HK$11.03M · loan HK$16.55M · min. income ≈ HK$160,440/mo (50% DSR)
Upfront cash ≈ HK$12.21M (deposit + AVD stamp duty HK$1,172,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,978
−HK$4,537/mo
▼ 0.25% · 3.875%
HK$86,230
−HK$2,285/mo
Today · 4.125%
HK$88,515
baseline
▲ 0.50% · 4.625%
HK$93,181
+HK$4,666/mo
Deposit HK$11.03M · loan HK$16.55M · min. income ≈ HK$177,030/mo (50% DSR)
Upfront cash ≈ HK$12.21M (deposit + AVD stamp duty HK$1,172,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,067
−HK$5,523/mo
▼ 0.25% · 3.875%
HK$90,807
−HK$2,783/mo
Today · 4.125%
HK$93,590
baseline
▲ 0.50% · 4.625%
HK$99,285
+HK$5,695/mo
Deposit HK$8.28M · loan HK$19.31M · min. income ≈ HK$187,180/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$1,172,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,974
−HK$5,293/mo
▼ 0.25% · 3.875%
HK$100,602
−HK$2,665/mo
Today · 4.125%
HK$103,267
baseline
▲ 0.50% · 4.625%
HK$108,711
+HK$5,444/mo
Deposit HK$8.28M · loan HK$19.31M · min. income ≈ HK$206,534/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$1,172,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,230
−HK$7,100/mo
▼ 0.25% · 3.875%
HK$116,752
−HK$3,578/mo
Today · 4.125%
HK$120,330
baseline
▲ 0.50% · 4.625%
HK$127,652
+HK$7,322/mo
Deposit HK$2.76M · loan HK$24.83M · min. income ≈ HK$240,660/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,172,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,967
−HK$6,805/mo
▼ 0.25% · 3.875%
HK$129,345
−HK$3,427/mo
Today · 4.125%
HK$132,772
baseline
▲ 0.50% · 4.625%
HK$139,771
+HK$6,999/mo
Deposit HK$2.76M · loan HK$24.83M · min. income ≈ HK$265,544/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,172,446 · Scale 2, in force from 26 Feb 2026)