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$63,354
−HK$3,972/mo
▼ 0.25% · 3.875%
HK$65,324
−HK$2,002/mo
Today · 4.125%
HK$67,326
baseline
▲ 0.50% · 4.625%
HK$71,423
+HK$4,097/mo
Deposit HK$13.89M · loan HK$13.89M · min. income ≈ HK$134,652/mo (50% DSR)
Upfront cash ≈ HK$15.07M (deposit + AVD stamp duty HK$1,180,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,480
−HK$3,808/mo
▼ 0.25% · 3.875%
HK$72,370
−HK$1,918/mo
Today · 4.125%
HK$74,288
baseline
▲ 0.50% · 4.625%
HK$78,204
+HK$3,916/mo
Deposit HK$13.89M · loan HK$13.89M · min. income ≈ HK$148,576/mo (50% DSR)
Upfront cash ≈ HK$15.07M (deposit + AVD stamp duty HK$1,180,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,024
−HK$4,768/mo
▼ 0.25% · 3.875%
HK$78,389
−HK$2,403/mo
Today · 4.125%
HK$80,792
baseline
▲ 0.50% · 4.625%
HK$85,708
+HK$4,916/mo
Deposit HK$11.11M · loan HK$16.67M · min. income ≈ HK$161,584/mo (50% DSR)
Upfront cash ≈ HK$12.29M (deposit + AVD stamp duty HK$1,180,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,576
−HK$4,570/mo
▼ 0.25% · 3.875%
HK$86,845
−HK$2,301/mo
Today · 4.125%
HK$89,146
baseline
▲ 0.50% · 4.625%
HK$93,845
+HK$4,699/mo
Deposit HK$11.11M · loan HK$16.67M · min. income ≈ HK$178,292/mo (50% DSR)
Upfront cash ≈ HK$12.29M (deposit + AVD stamp duty HK$1,180,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,695
−HK$5,562/mo
▼ 0.25% · 3.875%
HK$91,454
−HK$2,803/mo
Today · 4.125%
HK$94,257
baseline
▲ 0.50% · 4.625%
HK$99,992
+HK$5,735/mo
Deposit HK$8.34M · loan HK$19.45M · min. income ≈ HK$188,514/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$1,180,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,672
−HK$5,331/mo
▼ 0.25% · 3.875%
HK$101,319
−HK$2,684/mo
Today · 4.125%
HK$104,003
baseline
▲ 0.50% · 4.625%
HK$109,485
+HK$5,482/mo
Deposit HK$8.34M · loan HK$19.45M · min. income ≈ HK$208,006/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$1,180,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,036
−HK$7,152/mo
▼ 0.25% · 3.875%
HK$117,584
−HK$3,604/mo
Today · 4.125%
HK$121,188
baseline
▲ 0.50% · 4.625%
HK$128,561
+HK$7,373/mo
Deposit HK$2.78M · loan HK$25.01M · min. income ≈ HK$242,376/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$1,180,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,864
−HK$6,854/mo
▼ 0.25% · 3.875%
HK$130,267
−HK$3,451/mo
Today · 4.125%
HK$133,718
baseline
▲ 0.50% · 4.625%
HK$140,767
+HK$7,049/mo
Deposit HK$2.78M · loan HK$25.01M · min. income ≈ HK$267,436/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$1,180,800 · Scale 2, in force from 26 Feb 2026)