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$62,969
−HK$3,948/mo
▼ 0.25% · 3.875%
HK$64,927
−HK$1,990/mo
Today · 4.125%
HK$66,917
baseline
▲ 0.50% · 4.625%
HK$70,989
+HK$4,072/mo
Deposit HK$13.81M · loan HK$13.81M · min. income ≈ HK$133,834/mo (50% DSR)
Upfront cash ≈ HK$14.98M (deposit + AVD stamp duty HK$1,173,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,052
−HK$3,785/mo
▼ 0.25% · 3.875%
HK$71,931
−HK$1,906/mo
Today · 4.125%
HK$73,837
baseline
▲ 0.50% · 4.625%
HK$77,729
+HK$3,892/mo
Deposit HK$13.81M · loan HK$13.81M · min. income ≈ HK$147,674/mo (50% DSR)
Upfront cash ≈ HK$14.98M (deposit + AVD stamp duty HK$1,173,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,562
−HK$4,739/mo
▼ 0.25% · 3.875%
HK$77,913
−HK$2,388/mo
Today · 4.125%
HK$80,301
baseline
▲ 0.50% · 4.625%
HK$85,187
+HK$4,886/mo
Deposit HK$11.05M · loan HK$16.57M · min. income ≈ HK$160,602/mo (50% DSR)
Upfront cash ≈ HK$12.22M (deposit + AVD stamp duty HK$1,173,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,062
−HK$4,542/mo
▼ 0.25% · 3.875%
HK$86,317
−HK$2,287/mo
Today · 4.125%
HK$88,604
baseline
▲ 0.50% · 4.625%
HK$93,275
+HK$4,671/mo
Deposit HK$11.05M · loan HK$16.57M · min. income ≈ HK$177,208/mo (50% DSR)
Upfront cash ≈ HK$12.22M (deposit + AVD stamp duty HK$1,173,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,156
−HK$5,528/mo
▼ 0.25% · 3.875%
HK$90,898
−HK$2,786/mo
Today · 4.125%
HK$93,684
baseline
▲ 0.50% · 4.625%
HK$99,385
+HK$5,701/mo
Deposit HK$8.28M · loan HK$19.33M · min. income ≈ HK$187,368/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$1,173,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,073
−HK$5,298/mo
▼ 0.25% · 3.875%
HK$100,703
−HK$2,668/mo
Today · 4.125%
HK$103,371
baseline
▲ 0.50% · 4.625%
HK$108,820
+HK$5,449/mo
Deposit HK$8.28M · loan HK$19.33M · min. income ≈ HK$206,742/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$1,173,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,344
−HK$7,107/mo
▼ 0.25% · 3.875%
HK$116,869
−HK$3,582/mo
Today · 4.125%
HK$120,451
baseline
▲ 0.50% · 4.625%
HK$127,780
+HK$7,329/mo
Deposit HK$2.76M · loan HK$24.85M · min. income ≈ HK$240,902/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,173,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,094
−HK$6,812/mo
▼ 0.25% · 3.875%
HK$129,475
−HK$3,431/mo
Today · 4.125%
HK$132,906
baseline
▲ 0.50% · 4.625%
HK$139,912
+HK$7,006/mo
Deposit HK$2.76M · loan HK$24.85M · min. income ≈ HK$265,812/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,173,627 · Scale 2, in force from 26 Feb 2026)