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$62,777
−HK$3,937/mo
▼ 0.25% · 3.875%
HK$64,730
−HK$1,984/mo
Today · 4.125%
HK$66,714
baseline
▲ 0.50% · 4.625%
HK$70,773
+HK$4,059/mo
Deposit HK$13.77M · loan HK$13.77M · min. income ≈ HK$133,428/mo (50% DSR)
Upfront cash ≈ HK$14.94M (deposit + AVD stamp duty HK$1,170,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,839
−HK$3,773/mo
▼ 0.25% · 3.875%
HK$71,712
−HK$1,900/mo
Today · 4.125%
HK$73,612
baseline
▲ 0.50% · 4.625%
HK$77,492
+HK$3,880/mo
Deposit HK$13.77M · loan HK$13.77M · min. income ≈ HK$147,224/mo (50% DSR)
Upfront cash ≈ HK$14.94M (deposit + AVD stamp duty HK$1,170,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,333
−HK$4,724/mo
▼ 0.25% · 3.875%
HK$77,676
−HK$2,381/mo
Today · 4.125%
HK$80,057
baseline
▲ 0.50% · 4.625%
HK$84,928
+HK$4,871/mo
Deposit HK$11.01M · loan HK$16.52M · min. income ≈ HK$160,114/mo (50% DSR)
Upfront cash ≈ HK$12.18M (deposit + AVD stamp duty HK$1,170,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,807
−HK$4,528/mo
▼ 0.25% · 3.875%
HK$86,055
−HK$2,280/mo
Today · 4.125%
HK$88,335
baseline
▲ 0.50% · 4.625%
HK$92,991
+HK$4,656/mo
Deposit HK$11.01M · loan HK$16.52M · min. income ≈ HK$176,670/mo (50% DSR)
Upfront cash ≈ HK$12.18M (deposit + AVD stamp duty HK$1,170,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,888
−HK$5,512/mo
▼ 0.25% · 3.875%
HK$90,622
−HK$2,778/mo
Today · 4.125%
HK$93,400
baseline
▲ 0.50% · 4.625%
HK$99,083
+HK$5,683/mo
Deposit HK$8.26M · loan HK$19.27M · min. income ≈ HK$186,800/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$1,170,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,775
−HK$5,282/mo
▼ 0.25% · 3.875%
HK$100,397
−HK$2,660/mo
Today · 4.125%
HK$103,057
baseline
▲ 0.50% · 4.625%
HK$108,489
+HK$5,432/mo
Deposit HK$8.26M · loan HK$19.27M · min. income ≈ HK$206,114/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$1,170,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,999
−HK$7,086/mo
▼ 0.25% · 3.875%
HK$116,514
−HK$3,571/mo
Today · 4.125%
HK$120,085
baseline
▲ 0.50% · 4.625%
HK$127,392
+HK$7,307/mo
Deposit HK$2.75M · loan HK$24.78M · min. income ≈ HK$240,170/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$1,170,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,710
−HK$6,792/mo
▼ 0.25% · 3.875%
HK$129,082
−HK$3,420/mo
Today · 4.125%
HK$132,502
baseline
▲ 0.50% · 4.625%
HK$139,486
+HK$6,984/mo
Deposit HK$2.75M · loan HK$24.78M · min. income ≈ HK$265,004/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$1,170,059 · Scale 2, in force from 26 Feb 2026)