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$62,047
−HK$3,890/mo
▼ 0.25% · 3.875%
HK$63,977
−HK$1,960/mo
Today · 4.125%
HK$65,937
baseline
▲ 0.50% · 4.625%
HK$69,950
+HK$4,013/mo
Deposit HK$13.61M · loan HK$13.61M · min. income ≈ HK$131,874/mo (50% DSR)
Upfront cash ≈ HK$14.76M (deposit + AVD stamp duty HK$1,156,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,026
−HK$3,730/mo
▼ 0.25% · 3.875%
HK$70,877
−HK$1,879/mo
Today · 4.125%
HK$72,756
baseline
▲ 0.50% · 4.625%
HK$76,591
+HK$3,835/mo
Deposit HK$13.61M · loan HK$13.61M · min. income ≈ HK$145,512/mo (50% DSR)
Upfront cash ≈ HK$14.76M (deposit + AVD stamp duty HK$1,156,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,456
−HK$4,669/mo
▼ 0.25% · 3.875%
HK$76,772
−HK$2,353/mo
Today · 4.125%
HK$79,125
baseline
▲ 0.50% · 4.625%
HK$83,940
+HK$4,815/mo
Deposit HK$10.88M · loan HK$16.33M · min. income ≈ HK$158,250/mo (50% DSR)
Upfront cash ≈ HK$12.04M (deposit + AVD stamp duty HK$1,156,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,831
−HK$4,476/mo
▼ 0.25% · 3.875%
HK$85,053
−HK$2,254/mo
Today · 4.125%
HK$87,307
baseline
▲ 0.50% · 4.625%
HK$91,909
+HK$4,602/mo
Deposit HK$10.88M · loan HK$16.33M · min. income ≈ HK$174,614/mo (50% DSR)
Upfront cash ≈ HK$12.04M (deposit + AVD stamp duty HK$1,156,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,865
−HK$5,447/mo
▼ 0.25% · 3.875%
HK$89,567
−HK$2,745/mo
Today · 4.125%
HK$92,312
baseline
▲ 0.50% · 4.625%
HK$97,929
+HK$5,617/mo
Deposit HK$8.16M · loan HK$19.05M · min. income ≈ HK$184,624/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$1,156,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,637
−HK$5,221/mo
▼ 0.25% · 3.875%
HK$99,228
−HK$2,630/mo
Today · 4.125%
HK$101,858
baseline
▲ 0.50% · 4.625%
HK$107,227
+HK$5,369/mo
Deposit HK$8.16M · loan HK$19.05M · min. income ≈ HK$203,716/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$1,156,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,684
−HK$7,003/mo
▼ 0.25% · 3.875%
HK$115,158
−HK$3,529/mo
Today · 4.125%
HK$118,687
baseline
▲ 0.50% · 4.625%
HK$125,909
+HK$7,222/mo
Deposit HK$2.72M · loan HK$24.49M · min. income ≈ HK$237,374/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,156,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,247
−HK$6,713/mo
▼ 0.25% · 3.875%
HK$127,579
−HK$3,381/mo
Today · 4.125%
HK$130,960
baseline
▲ 0.50% · 4.625%
HK$137,863
+HK$6,903/mo
Deposit HK$2.72M · loan HK$24.49M · min. income ≈ HK$261,920/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,156,441 · Scale 2, in force from 26 Feb 2026)