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$62,737
−HK$3,934/mo
▼ 0.25% · 3.875%
HK$64,689
−HK$1,982/mo
Today · 4.125%
HK$66,671
baseline
▲ 0.50% · 4.625%
HK$70,728
+HK$4,057/mo
Deposit HK$13.76M · loan HK$13.76M · min. income ≈ HK$133,342/mo (50% DSR)
Upfront cash ≈ HK$14.93M (deposit + AVD stamp duty HK$1,169,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,794
−HK$3,771/mo
▼ 0.25% · 3.875%
HK$71,666
−HK$1,899/mo
Today · 4.125%
HK$73,565
baseline
▲ 0.50% · 4.625%
HK$77,443
+HK$3,878/mo
Deposit HK$13.76M · loan HK$13.76M · min. income ≈ HK$147,130/mo (50% DSR)
Upfront cash ≈ HK$14.93M (deposit + AVD stamp duty HK$1,169,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,284
−HK$4,721/mo
▼ 0.25% · 3.875%
HK$77,626
−HK$2,379/mo
Today · 4.125%
HK$80,005
baseline
▲ 0.50% · 4.625%
HK$84,874
+HK$4,869/mo
Deposit HK$11.01M · loan HK$16.51M · min. income ≈ HK$160,010/mo (50% DSR)
Upfront cash ≈ HK$12.17M (deposit + AVD stamp duty HK$1,169,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,753
−HK$4,525/mo
▼ 0.25% · 3.875%
HK$85,999
−HK$2,279/mo
Today · 4.125%
HK$88,278
baseline
▲ 0.50% · 4.625%
HK$92,931
+HK$4,653/mo
Deposit HK$11.01M · loan HK$16.51M · min. income ≈ HK$176,556/mo (50% DSR)
Upfront cash ≈ HK$12.17M (deposit + AVD stamp duty HK$1,169,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,832
−HK$5,508/mo
▼ 0.25% · 3.875%
HK$90,564
−HK$2,776/mo
Today · 4.125%
HK$93,340
baseline
▲ 0.50% · 4.625%
HK$99,019
+HK$5,679/mo
Deposit HK$8.25M · loan HK$19.26M · min. income ≈ HK$186,680/mo (50% DSR)
Upfront cash ≈ HK$9.42M (deposit + AVD stamp duty HK$1,169,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,712
−HK$5,279/mo
▼ 0.25% · 3.875%
HK$100,333
−HK$2,658/mo
Today · 4.125%
HK$102,991
baseline
▲ 0.50% · 4.625%
HK$108,420
+HK$5,429/mo
Deposit HK$8.25M · loan HK$19.26M · min. income ≈ HK$205,982/mo (50% DSR)
Upfront cash ≈ HK$9.42M (deposit + AVD stamp duty HK$1,169,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,927
−HK$7,081/mo
▼ 0.25% · 3.875%
HK$116,439
−HK$3,569/mo
Today · 4.125%
HK$120,008
baseline
▲ 0.50% · 4.625%
HK$127,310
+HK$7,302/mo
Deposit HK$2.75M · loan HK$24.76M · min. income ≈ HK$240,016/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$1,169,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,630
−HK$6,787/mo
▼ 0.25% · 3.875%
HK$128,999
−HK$3,418/mo
Today · 4.125%
HK$132,417
baseline
▲ 0.50% · 4.625%
HK$139,397
+HK$6,980/mo
Deposit HK$2.75M · loan HK$24.76M · min. income ≈ HK$264,834/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$1,169,310 · Scale 2, in force from 26 Feb 2026)