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$63,769
−HK$3,999/mo
▼ 0.25% · 3.875%
HK$65,753
−HK$2,015/mo
Today · 4.125%
HK$67,768
baseline
▲ 0.50% · 4.625%
HK$71,891
+HK$4,123/mo
Deposit HK$13.98M · loan HK$13.98M · min. income ≈ HK$135,536/mo (50% DSR)
Upfront cash ≈ HK$15.17M (deposit + AVD stamp duty HK$1,188,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,942
−HK$3,833/mo
▼ 0.25% · 3.875%
HK$72,845
−HK$1,930/mo
Today · 4.125%
HK$74,775
baseline
▲ 0.50% · 4.625%
HK$78,717
+HK$3,942/mo
Deposit HK$13.98M · loan HK$13.98M · min. income ≈ HK$149,550/mo (50% DSR)
Upfront cash ≈ HK$15.17M (deposit + AVD stamp duty HK$1,188,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,523
−HK$4,798/mo
▼ 0.25% · 3.875%
HK$78,903
−HK$2,418/mo
Today · 4.125%
HK$81,321
baseline
▲ 0.50% · 4.625%
HK$86,270
+HK$4,949/mo
Deposit HK$11.19M · loan HK$16.78M · min. income ≈ HK$162,642/mo (50% DSR)
Upfront cash ≈ HK$12.37M (deposit + AVD stamp duty HK$1,188,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,131
−HK$4,599/mo
▼ 0.25% · 3.875%
HK$87,414
−HK$2,316/mo
Today · 4.125%
HK$89,730
baseline
▲ 0.50% · 4.625%
HK$94,460
+HK$4,730/mo
Deposit HK$11.19M · loan HK$16.78M · min. income ≈ HK$179,460/mo (50% DSR)
Upfront cash ≈ HK$12.37M (deposit + AVD stamp duty HK$1,188,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,277
−HK$5,598/mo
▼ 0.25% · 3.875%
HK$92,054
−HK$2,821/mo
Today · 4.125%
HK$94,875
baseline
▲ 0.50% · 4.625%
HK$100,648
+HK$5,773/mo
Deposit HK$8.39M · loan HK$19.58M · min. income ≈ HK$189,750/mo (50% DSR)
Upfront cash ≈ HK$9.58M (deposit + AVD stamp duty HK$1,188,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,319
−HK$5,366/mo
▼ 0.25% · 3.875%
HK$101,983
−HK$2,702/mo
Today · 4.125%
HK$104,685
baseline
▲ 0.50% · 4.625%
HK$110,203
+HK$5,518/mo
Deposit HK$8.39M · loan HK$19.58M · min. income ≈ HK$209,370/mo (50% DSR)
Upfront cash ≈ HK$9.58M (deposit + AVD stamp duty HK$1,188,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,784
−HK$7,198/mo
▼ 0.25% · 3.875%
HK$118,355
−HK$3,627/mo
Today · 4.125%
HK$121,982
baseline
▲ 0.50% · 4.625%
HK$129,405
+HK$7,423/mo
Deposit HK$2.80M · loan HK$25.17M · min. income ≈ HK$243,964/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$1,188,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,696
−HK$6,899/mo
▼ 0.25% · 3.875%
HK$131,121
−HK$3,474/mo
Today · 4.125%
HK$134,595
baseline
▲ 0.50% · 4.625%
HK$141,690
+HK$7,095/mo
Deposit HK$2.80M · loan HK$25.17M · min. income ≈ HK$269,190/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$1,188,544 · Scale 2, in force from 26 Feb 2026)