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$62,496
−HK$3,919/mo
▼ 0.25% · 3.875%
HK$64,440
−HK$1,975/mo
Today · 4.125%
HK$66,415
baseline
▲ 0.50% · 4.625%
HK$70,456
+HK$4,041/mo
Deposit HK$13.70M · loan HK$13.70M · min. income ≈ HK$132,830/mo (50% DSR)
Upfront cash ≈ HK$14.87M (deposit + AVD stamp duty HK$1,164,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,526
−HK$3,757/mo
▼ 0.25% · 3.875%
HK$71,391
−HK$1,892/mo
Today · 4.125%
HK$73,283
baseline
▲ 0.50% · 4.625%
HK$77,146
+HK$3,863/mo
Deposit HK$13.70M · loan HK$13.70M · min. income ≈ HK$146,566/mo (50% DSR)
Upfront cash ≈ HK$14.87M (deposit + AVD stamp duty HK$1,164,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,995
−HK$4,703/mo
▼ 0.25% · 3.875%
HK$77,328
−HK$2,370/mo
Today · 4.125%
HK$79,698
baseline
▲ 0.50% · 4.625%
HK$84,548
+HK$4,850/mo
Deposit HK$10.96M · loan HK$16.44M · min. income ≈ HK$159,396/mo (50% DSR)
Upfront cash ≈ HK$12.13M (deposit + AVD stamp duty HK$1,164,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,432
−HK$4,507/mo
▼ 0.25% · 3.875%
HK$85,669
−HK$2,270/mo
Today · 4.125%
HK$87,939
baseline
▲ 0.50% · 4.625%
HK$92,575
+HK$4,636/mo
Deposit HK$10.96M · loan HK$16.44M · min. income ≈ HK$175,878/mo (50% DSR)
Upfront cash ≈ HK$12.13M (deposit + AVD stamp duty HK$1,164,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,495
−HK$5,486/mo
▼ 0.25% · 3.875%
HK$90,216
−HK$2,765/mo
Today · 4.125%
HK$92,981
baseline
▲ 0.50% · 4.625%
HK$98,639
+HK$5,658/mo
Deposit HK$8.22M · loan HK$19.19M · min. income ≈ HK$185,962/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$1,164,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,337
−HK$5,259/mo
▼ 0.25% · 3.875%
HK$99,947
−HK$2,649/mo
Today · 4.125%
HK$102,596
baseline
▲ 0.50% · 4.625%
HK$108,004
+HK$5,408/mo
Deposit HK$8.22M · loan HK$19.19M · min. income ≈ HK$205,192/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$1,164,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,493
−HK$7,054/mo
▼ 0.25% · 3.875%
HK$115,992
−HK$3,555/mo
Today · 4.125%
HK$119,547
baseline
▲ 0.50% · 4.625%
HK$126,822
+HK$7,275/mo
Deposit HK$2.74M · loan HK$24.67M · min. income ≈ HK$239,094/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,164,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,147
−HK$6,762/mo
▼ 0.25% · 3.875%
HK$128,504
−HK$3,405/mo
Today · 4.125%
HK$131,909
baseline
▲ 0.50% · 4.625%
HK$138,862
+HK$6,953/mo
Deposit HK$2.74M · loan HK$24.67M · min. income ≈ HK$263,818/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,164,820 · Scale 2, in force from 26 Feb 2026)