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$63,126
−HK$3,958/mo
▼ 0.25% · 3.875%
HK$65,089
−HK$1,995/mo
Today · 4.125%
HK$67,084
baseline
▲ 0.50% · 4.625%
HK$71,166
+HK$4,082/mo
Deposit HK$13.84M · loan HK$13.84M · min. income ≈ HK$134,168/mo (50% DSR)
Upfront cash ≈ HK$15.02M (deposit + AVD stamp duty HK$1,176,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,227
−HK$3,794/mo
▼ 0.25% · 3.875%
HK$72,110
−HK$1,911/mo
Today · 4.125%
HK$74,021
baseline
▲ 0.50% · 4.625%
HK$77,922
+HK$3,901/mo
Deposit HK$13.84M · loan HK$13.84M · min. income ≈ HK$148,042/mo (50% DSR)
Upfront cash ≈ HK$15.02M (deposit + AVD stamp duty HK$1,176,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,751
−HK$4,750/mo
▼ 0.25% · 3.875%
HK$78,107
−HK$2,394/mo
Today · 4.125%
HK$80,501
baseline
▲ 0.50% · 4.625%
HK$85,399
+HK$4,898/mo
Deposit HK$11.07M · loan HK$16.61M · min. income ≈ HK$161,002/mo (50% DSR)
Upfront cash ≈ HK$12.25M (deposit + AVD stamp duty HK$1,176,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,272
−HK$4,553/mo
▼ 0.25% · 3.875%
HK$86,532
−HK$2,293/mo
Today · 4.125%
HK$88,825
baseline
▲ 0.50% · 4.625%
HK$93,507
+HK$4,682/mo
Deposit HK$11.07M · loan HK$16.61M · min. income ≈ HK$177,650/mo (50% DSR)
Upfront cash ≈ HK$12.25M (deposit + AVD stamp duty HK$1,176,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,376
−HK$5,542/mo
▼ 0.25% · 3.875%
HK$91,125
−HK$2,793/mo
Today · 4.125%
HK$93,918
baseline
▲ 0.50% · 4.625%
HK$99,632
+HK$5,714/mo
Deposit HK$8.31M · loan HK$19.38M · min. income ≈ HK$187,836/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$1,176,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,317
−HK$5,312/mo
▼ 0.25% · 3.875%
HK$100,954
−HK$2,675/mo
Today · 4.125%
HK$103,629
baseline
▲ 0.50% · 4.625%
HK$109,091
+HK$5,462/mo
Deposit HK$8.31M · loan HK$19.38M · min. income ≈ HK$207,258/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$1,176,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,626
−HK$7,125/mo
▼ 0.25% · 3.875%
HK$117,161
−HK$3,590/mo
Today · 4.125%
HK$120,751
baseline
▲ 0.50% · 4.625%
HK$128,099
+HK$7,348/mo
Deposit HK$2.77M · loan HK$24.92M · min. income ≈ HK$241,502/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,176,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,408
−HK$6,829/mo
▼ 0.25% · 3.875%
HK$129,798
−HK$3,439/mo
Today · 4.125%
HK$133,237
baseline
▲ 0.50% · 4.625%
HK$140,260
+HK$7,023/mo
Deposit HK$2.77M · loan HK$24.92M · min. income ≈ HK$266,474/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,176,552 · Scale 2, in force from 26 Feb 2026)