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$61,175
−HK$3,836/mo
▼ 0.25% · 3.875%
HK$63,077
−HK$1,934/mo
Today · 4.125%
HK$65,011
baseline
▲ 0.50% · 4.625%
HK$68,967
+HK$3,956/mo
Deposit HK$13.41M · loan HK$13.41M · min. income ≈ HK$130,022/mo (50% DSR)
Upfront cash ≈ HK$14.55M (deposit + AVD stamp duty HK$1,140,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,056
−HK$3,677/mo
▼ 0.25% · 3.875%
HK$69,881
−HK$1,852/mo
Today · 4.125%
HK$71,733
baseline
▲ 0.50% · 4.625%
HK$75,514
+HK$3,781/mo
Deposit HK$13.41M · loan HK$13.41M · min. income ≈ HK$143,466/mo (50% DSR)
Upfront cash ≈ HK$14.55M (deposit + AVD stamp duty HK$1,140,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,409
−HK$4,604/mo
▼ 0.25% · 3.875%
HK$75,693
−HK$2,320/mo
Today · 4.125%
HK$78,013
baseline
▲ 0.50% · 4.625%
HK$82,760
+HK$4,747/mo
Deposit HK$10.73M · loan HK$16.10M · min. income ≈ HK$156,026/mo (50% DSR)
Upfront cash ≈ HK$11.87M (deposit + AVD stamp duty HK$1,140,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,667
−HK$4,413/mo
▼ 0.25% · 3.875%
HK$83,858
−HK$2,222/mo
Today · 4.125%
HK$86,080
baseline
▲ 0.50% · 4.625%
HK$90,617
+HK$4,537/mo
Deposit HK$10.73M · loan HK$16.10M · min. income ≈ HK$172,160/mo (50% DSR)
Upfront cash ≈ HK$11.87M (deposit + AVD stamp duty HK$1,140,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,644
−HK$5,371/mo
▼ 0.25% · 3.875%
HK$88,308
−HK$2,707/mo
Today · 4.125%
HK$91,015
baseline
▲ 0.50% · 4.625%
HK$96,553
+HK$5,538/mo
Deposit HK$8.05M · loan HK$18.78M · min. income ≈ HK$182,030/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$1,140,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,279
−HK$5,147/mo
▼ 0.25% · 3.875%
HK$97,834
−HK$2,592/mo
Today · 4.125%
HK$100,426
baseline
▲ 0.50% · 4.625%
HK$105,720
+HK$5,294/mo
Deposit HK$8.05M · loan HK$18.78M · min. income ≈ HK$200,852/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$1,140,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,114
−HK$6,905/mo
▼ 0.25% · 3.875%
HK$113,539
−HK$3,480/mo
Today · 4.125%
HK$117,019
baseline
▲ 0.50% · 4.625%
HK$124,140
+HK$7,121/mo
Deposit HK$2.68M · loan HK$24.15M · min. income ≈ HK$234,038/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,140,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,501
−HK$6,618/mo
▼ 0.25% · 3.875%
HK$125,786
−HK$3,333/mo
Today · 4.125%
HK$129,119
baseline
▲ 0.50% · 4.625%
HK$135,925
+HK$6,806/mo
Deposit HK$2.68M · loan HK$24.15M · min. income ≈ HK$258,238/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,140,188 · Scale 2, in force from 26 Feb 2026)