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$62,062
−HK$3,892/mo
▼ 0.25% · 3.875%
HK$63,993
−HK$1,961/mo
Today · 4.125%
HK$65,954
baseline
▲ 0.50% · 4.625%
HK$69,967
+HK$4,013/mo
Deposit HK$13.61M · loan HK$13.61M · min. income ≈ HK$131,908/mo (50% DSR)
Upfront cash ≈ HK$14.77M (deposit + AVD stamp duty HK$1,156,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,043
−HK$3,731/mo
▼ 0.25% · 3.875%
HK$70,895
−HK$1,879/mo
Today · 4.125%
HK$72,774
baseline
▲ 0.50% · 4.625%
HK$76,610
+HK$3,836/mo
Deposit HK$13.61M · loan HK$13.61M · min. income ≈ HK$145,548/mo (50% DSR)
Upfront cash ≈ HK$14.77M (deposit + AVD stamp duty HK$1,156,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,474
−HK$4,671/mo
▼ 0.25% · 3.875%
HK$76,791
−HK$2,354/mo
Today · 4.125%
HK$79,145
baseline
▲ 0.50% · 4.625%
HK$83,960
+HK$4,815/mo
Deposit HK$10.89M · loan HK$16.33M · min. income ≈ HK$158,290/mo (50% DSR)
Upfront cash ≈ HK$12.04M (deposit + AVD stamp duty HK$1,156,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,852
−HK$4,476/mo
▼ 0.25% · 3.875%
HK$85,074
−HK$2,254/mo
Today · 4.125%
HK$87,328
baseline
▲ 0.50% · 4.625%
HK$91,932
+HK$4,604/mo
Deposit HK$10.89M · loan HK$16.33M · min. income ≈ HK$174,656/mo (50% DSR)
Upfront cash ≈ HK$12.04M (deposit + AVD stamp duty HK$1,156,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,887
−HK$5,448/mo
▼ 0.25% · 3.875%
HK$89,590
−HK$2,745/mo
Today · 4.125%
HK$92,335
baseline
▲ 0.50% · 4.625%
HK$97,954
+HK$5,619/mo
Deposit HK$8.17M · loan HK$19.05M · min. income ≈ HK$184,670/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$1,156,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,661
−HK$5,222/mo
▼ 0.25% · 3.875%
HK$99,253
−HK$2,630/mo
Today · 4.125%
HK$101,883
baseline
▲ 0.50% · 4.625%
HK$107,253
+HK$5,370/mo
Deposit HK$8.17M · loan HK$19.05M · min. income ≈ HK$203,766/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$1,156,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,712
−HK$7,005/mo
▼ 0.25% · 3.875%
HK$115,187
−HK$3,530/mo
Today · 4.125%
HK$118,717
baseline
▲ 0.50% · 4.625%
HK$125,941
+HK$7,224/mo
Deposit HK$2.72M · loan HK$24.50M · min. income ≈ HK$237,434/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,156,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,278
−HK$6,715/mo
▼ 0.25% · 3.875%
HK$127,611
−HK$3,382/mo
Today · 4.125%
HK$130,993
baseline
▲ 0.50% · 4.625%
HK$137,897
+HK$6,904/mo
Deposit HK$2.72M · loan HK$24.50M · min. income ≈ HK$261,986/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,156,729 · Scale 2, in force from 26 Feb 2026)