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$61,053
−HK$3,828/mo
▼ 0.25% · 3.875%
HK$62,952
−HK$1,929/mo
Today · 4.125%
HK$64,881
baseline
▲ 0.50% · 4.625%
HK$68,829
+HK$3,948/mo
Deposit HK$13.39M · loan HK$13.39M · min. income ≈ HK$129,762/mo (50% DSR)
Upfront cash ≈ HK$14.53M (deposit + AVD stamp duty HK$1,137,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,920
−HK$3,670/mo
▼ 0.25% · 3.875%
HK$69,742
−HK$1,848/mo
Today · 4.125%
HK$71,590
baseline
▲ 0.50% · 4.625%
HK$75,364
+HK$3,774/mo
Deposit HK$13.39M · loan HK$13.39M · min. income ≈ HK$143,180/mo (50% DSR)
Upfront cash ≈ HK$14.53M (deposit + AVD stamp duty HK$1,137,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,263
−HK$4,594/mo
▼ 0.25% · 3.875%
HK$75,542
−HK$2,315/mo
Today · 4.125%
HK$77,857
baseline
▲ 0.50% · 4.625%
HK$82,595
+HK$4,738/mo
Deposit HK$10.71M · loan HK$16.06M · min. income ≈ HK$155,714/mo (50% DSR)
Upfront cash ≈ HK$11.85M (deposit + AVD stamp duty HK$1,137,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,504
−HK$4,404/mo
▼ 0.25% · 3.875%
HK$83,690
−HK$2,218/mo
Today · 4.125%
HK$85,908
baseline
▲ 0.50% · 4.625%
HK$90,436
+HK$4,528/mo
Deposit HK$10.71M · loan HK$16.06M · min. income ≈ HK$171,816/mo (50% DSR)
Upfront cash ≈ HK$11.85M (deposit + AVD stamp duty HK$1,137,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,474
−HK$5,360/mo
▼ 0.25% · 3.875%
HK$88,132
−HK$2,702/mo
Today · 4.125%
HK$90,834
baseline
▲ 0.50% · 4.625%
HK$96,361
+HK$5,527/mo
Deposit HK$8.03M · loan HK$18.74M · min. income ≈ HK$181,668/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$1,137,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,089
−HK$5,137/mo
▼ 0.25% · 3.875%
HK$97,639
−HK$2,587/mo
Today · 4.125%
HK$100,226
baseline
▲ 0.50% · 4.625%
HK$105,509
+HK$5,283/mo
Deposit HK$8.03M · loan HK$18.74M · min. income ≈ HK$200,452/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$1,137,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,895
−HK$6,891/mo
▼ 0.25% · 3.875%
HK$113,313
−HK$3,473/mo
Today · 4.125%
HK$116,786
baseline
▲ 0.50% · 4.625%
HK$123,892
+HK$7,106/mo
Deposit HK$2.68M · loan HK$24.10M · min. income ≈ HK$233,572/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,137,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,257
−HK$6,605/mo
▼ 0.25% · 3.875%
HK$125,536
−HK$3,326/mo
Today · 4.125%
HK$128,862
baseline
▲ 0.50% · 4.625%
HK$135,654
+HK$6,792/mo
Deposit HK$2.68M · loan HK$24.10M · min. income ≈ HK$257,724/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,137,914 · Scale 2, in force from 26 Feb 2026)