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$62,368
−HK$3,911/mo
▼ 0.25% · 3.875%
HK$64,308
−HK$1,971/mo
Today · 4.125%
HK$66,279
baseline
▲ 0.50% · 4.625%
HK$70,312
+HK$4,033/mo
Deposit HK$13.68M · loan HK$13.68M · min. income ≈ HK$132,558/mo (50% DSR)
Upfront cash ≈ HK$14.84M (deposit + AVD stamp duty HK$1,162,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,384
−HK$3,748/mo
▼ 0.25% · 3.875%
HK$71,245
−HK$1,887/mo
Today · 4.125%
HK$73,132
baseline
▲ 0.50% · 4.625%
HK$76,987
+HK$3,855/mo
Deposit HK$13.68M · loan HK$13.68M · min. income ≈ HK$146,264/mo (50% DSR)
Upfront cash ≈ HK$14.84M (deposit + AVD stamp duty HK$1,162,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,842
−HK$4,693/mo
▼ 0.25% · 3.875%
HK$77,170
−HK$2,365/mo
Today · 4.125%
HK$79,535
baseline
▲ 0.50% · 4.625%
HK$84,374
+HK$4,839/mo
Deposit HK$10.94M · loan HK$16.41M · min. income ≈ HK$159,070/mo (50% DSR)
Upfront cash ≈ HK$12.10M (deposit + AVD stamp duty HK$1,162,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,261
−HK$4,498/mo
▼ 0.25% · 3.875%
HK$85,494
−HK$2,265/mo
Today · 4.125%
HK$87,759
baseline
▲ 0.50% · 4.625%
HK$92,385
+HK$4,626/mo
Deposit HK$10.94M · loan HK$16.41M · min. income ≈ HK$175,518/mo (50% DSR)
Upfront cash ≈ HK$12.10M (deposit + AVD stamp duty HK$1,162,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,315
−HK$5,476/mo
▼ 0.25% · 3.875%
HK$90,031
−HK$2,760/mo
Today · 4.125%
HK$92,791
baseline
▲ 0.50% · 4.625%
HK$98,437
+HK$5,646/mo
Deposit HK$8.21M · loan HK$19.15M · min. income ≈ HK$185,582/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$1,162,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,137
−HK$5,248/mo
▼ 0.25% · 3.875%
HK$99,742
−HK$2,643/mo
Today · 4.125%
HK$102,385
baseline
▲ 0.50% · 4.625%
HK$107,782
+HK$5,397/mo
Deposit HK$8.21M · loan HK$19.15M · min. income ≈ HK$204,770/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$1,162,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,262
−HK$7,040/mo
▼ 0.25% · 3.875%
HK$115,754
−HK$3,548/mo
Today · 4.125%
HK$119,302
baseline
▲ 0.50% · 4.625%
HK$126,562
+HK$7,260/mo
Deposit HK$2.74M · loan HK$24.62M · min. income ≈ HK$238,604/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,162,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,891
−HK$6,747/mo
▼ 0.25% · 3.875%
HK$128,240
−HK$3,398/mo
Today · 4.125%
HK$131,638
baseline
▲ 0.50% · 4.625%
HK$138,577
+HK$6,939/mo
Deposit HK$2.74M · loan HK$24.62M · min. income ≈ HK$263,276/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,162,431 · Scale 2, in force from 26 Feb 2026)