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$61,337
−HK$3,846/mo
▼ 0.25% · 3.875%
HK$63,244
−HK$1,939/mo
Today · 4.125%
HK$65,183
baseline
▲ 0.50% · 4.625%
HK$69,149
+HK$3,966/mo
Deposit HK$13.45M · loan HK$13.45M · min. income ≈ HK$130,366/mo (50% DSR)
Upfront cash ≈ HK$14.59M (deposit + AVD stamp duty HK$1,143,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,236
−HK$3,687/mo
▼ 0.25% · 3.875%
HK$70,066
−HK$1,857/mo
Today · 4.125%
HK$71,923
baseline
▲ 0.50% · 4.625%
HK$75,714
+HK$3,791/mo
Deposit HK$13.45M · loan HK$13.45M · min. income ≈ HK$143,846/mo (50% DSR)
Upfront cash ≈ HK$14.59M (deposit + AVD stamp duty HK$1,143,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,604
−HK$4,615/mo
▼ 0.25% · 3.875%
HK$75,893
−HK$2,326/mo
Today · 4.125%
HK$78,219
baseline
▲ 0.50% · 4.625%
HK$82,979
+HK$4,760/mo
Deposit HK$10.76M · loan HK$16.14M · min. income ≈ HK$156,438/mo (50% DSR)
Upfront cash ≈ HK$11.90M (deposit + AVD stamp duty HK$1,143,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,884
−HK$4,423/mo
▼ 0.25% · 3.875%
HK$84,080
−HK$2,227/mo
Today · 4.125%
HK$86,307
baseline
▲ 0.50% · 4.625%
HK$90,857
+HK$4,550/mo
Deposit HK$10.76M · loan HK$16.14M · min. income ≈ HK$172,614/mo (50% DSR)
Upfront cash ≈ HK$11.90M (deposit + AVD stamp duty HK$1,143,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,871
−HK$5,385/mo
▼ 0.25% · 3.875%
HK$88,542
−HK$2,714/mo
Today · 4.125%
HK$91,256
baseline
▲ 0.50% · 4.625%
HK$96,809
+HK$5,553/mo
Deposit HK$8.07M · loan HK$18.83M · min. income ≈ HK$182,512/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$1,143,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,531
−HK$5,161/mo
▼ 0.25% · 3.875%
HK$98,093
−HK$2,599/mo
Today · 4.125%
HK$100,692
baseline
▲ 0.50% · 4.625%
HK$106,000
+HK$5,308/mo
Deposit HK$8.07M · loan HK$18.83M · min. income ≈ HK$201,384/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$1,143,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,406
−HK$6,923/mo
▼ 0.25% · 3.875%
HK$113,840
−HK$3,489/mo
Today · 4.125%
HK$117,329
baseline
▲ 0.50% · 4.625%
HK$124,468
+HK$7,139/mo
Deposit HK$2.69M · loan HK$24.21M · min. income ≈ HK$234,658/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,143,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,825
−HK$6,636/mo
▼ 0.25% · 3.875%
HK$126,119
−HK$3,342/mo
Today · 4.125%
HK$129,461
baseline
▲ 0.50% · 4.625%
HK$136,285
+HK$6,824/mo
Deposit HK$2.69M · loan HK$24.21M · min. income ≈ HK$258,922/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,143,206 · Scale 2, in force from 26 Feb 2026)