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$61,418
−HK$3,851/mo
▼ 0.25% · 3.875%
HK$63,328
−HK$1,941/mo
Today · 4.125%
HK$65,269
baseline
▲ 0.50% · 4.625%
HK$69,241
+HK$3,972/mo
Deposit HK$13.47M · loan HK$13.47M · min. income ≈ HK$130,538/mo (50% DSR)
Upfront cash ≈ HK$14.61M (deposit + AVD stamp duty HK$1,144,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,327
−HK$3,691/mo
▼ 0.25% · 3.875%
HK$70,159
−HK$1,859/mo
Today · 4.125%
HK$72,018
baseline
▲ 0.50% · 4.625%
HK$75,815
+HK$3,797/mo
Deposit HK$13.47M · loan HK$13.47M · min. income ≈ HK$144,036/mo (50% DSR)
Upfront cash ≈ HK$14.61M (deposit + AVD stamp duty HK$1,144,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,702
−HK$4,621/mo
▼ 0.25% · 3.875%
HK$75,994
−HK$2,329/mo
Today · 4.125%
HK$78,323
baseline
▲ 0.50% · 4.625%
HK$83,089
+HK$4,766/mo
Deposit HK$10.77M · loan HK$16.16M · min. income ≈ HK$156,646/mo (50% DSR)
Upfront cash ≈ HK$11.92M (deposit + AVD stamp duty HK$1,144,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,992
−HK$4,430/mo
▼ 0.25% · 3.875%
HK$84,191
−HK$2,231/mo
Today · 4.125%
HK$86,422
baseline
▲ 0.50% · 4.625%
HK$90,977
+HK$4,555/mo
Deposit HK$10.77M · loan HK$16.16M · min. income ≈ HK$172,844/mo (50% DSR)
Upfront cash ≈ HK$11.92M (deposit + AVD stamp duty HK$1,144,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,985
−HK$5,392/mo
▼ 0.25% · 3.875%
HK$88,660
−HK$2,717/mo
Today · 4.125%
HK$91,377
baseline
▲ 0.50% · 4.625%
HK$96,937
+HK$5,560/mo
Deposit HK$8.08M · loan HK$18.85M · min. income ≈ HK$182,754/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$1,144,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,658
−HK$5,168/mo
▼ 0.25% · 3.875%
HK$98,223
−HK$2,603/mo
Today · 4.125%
HK$100,826
baseline
▲ 0.50% · 4.625%
HK$106,140
+HK$5,314/mo
Deposit HK$8.08M · loan HK$18.85M · min. income ≈ HK$201,652/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$1,144,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,552
−HK$6,933/mo
▼ 0.25% · 3.875%
HK$113,991
−HK$3,494/mo
Today · 4.125%
HK$117,485
baseline
▲ 0.50% · 4.625%
HK$124,634
+HK$7,149/mo
Deposit HK$2.69M · loan HK$24.24M · min. income ≈ HK$234,970/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,144,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,988
−HK$6,645/mo
▼ 0.25% · 3.875%
HK$126,287
−HK$3,346/mo
Today · 4.125%
HK$129,633
baseline
▲ 0.50% · 4.625%
HK$136,466
+HK$6,833/mo
Deposit HK$2.69M · loan HK$24.24M · min. income ≈ HK$259,266/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,144,724 · Scale 2, in force from 26 Feb 2026)