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$61,459
−HK$3,854/mo
▼ 0.25% · 3.875%
HK$63,371
−HK$1,942/mo
Today · 4.125%
HK$65,313
baseline
▲ 0.50% · 4.625%
HK$69,288
+HK$3,975/mo
Deposit HK$13.48M · loan HK$13.48M · min. income ≈ HK$130,626/mo (50% DSR)
Upfront cash ≈ HK$14.62M (deposit + AVD stamp duty HK$1,145,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,373
−HK$3,694/mo
▼ 0.25% · 3.875%
HK$70,207
−HK$1,860/mo
Today · 4.125%
HK$72,067
baseline
▲ 0.50% · 4.625%
HK$75,866
+HK$3,799/mo
Deposit HK$13.48M · loan HK$13.48M · min. income ≈ HK$144,134/mo (50% DSR)
Upfront cash ≈ HK$14.62M (deposit + AVD stamp duty HK$1,145,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,751
−HK$4,625/mo
▼ 0.25% · 3.875%
HK$76,045
−HK$2,331/mo
Today · 4.125%
HK$78,376
baseline
▲ 0.50% · 4.625%
HK$83,145
+HK$4,769/mo
Deposit HK$10.78M · loan HK$16.17M · min. income ≈ HK$156,752/mo (50% DSR)
Upfront cash ≈ HK$11.93M (deposit + AVD stamp duty HK$1,145,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,048
−HK$4,432/mo
▼ 0.25% · 3.875%
HK$84,248
−HK$2,232/mo
Today · 4.125%
HK$86,480
baseline
▲ 0.50% · 4.625%
HK$91,039
+HK$4,559/mo
Deposit HK$10.78M · loan HK$16.17M · min. income ≈ HK$172,960/mo (50% DSR)
Upfront cash ≈ HK$11.93M (deposit + AVD stamp duty HK$1,145,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,043
−HK$5,396/mo
▼ 0.25% · 3.875%
HK$88,720
−HK$2,719/mo
Today · 4.125%
HK$91,439
baseline
▲ 0.50% · 4.625%
HK$97,003
+HK$5,564/mo
Deposit HK$8.09M · loan HK$18.87M · min. income ≈ HK$182,878/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$1,145,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,722
−HK$5,172/mo
▼ 0.25% · 3.875%
HK$98,289
−HK$2,605/mo
Today · 4.125%
HK$100,894
baseline
▲ 0.50% · 4.625%
HK$106,212
+HK$5,318/mo
Deposit HK$8.09M · loan HK$18.87M · min. income ≈ HK$201,788/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$1,145,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,627
−HK$6,937/mo
▼ 0.25% · 3.875%
HK$114,068
−HK$3,496/mo
Today · 4.125%
HK$117,564
baseline
▲ 0.50% · 4.625%
HK$124,718
+HK$7,154/mo
Deposit HK$2.70M · loan HK$24.26M · min. income ≈ HK$235,128/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,145,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,071
−HK$6,650/mo
▼ 0.25% · 3.875%
HK$126,372
−HK$3,349/mo
Today · 4.125%
HK$129,721
baseline
▲ 0.50% · 4.625%
HK$136,558
+HK$6,837/mo
Deposit HK$2.70M · loan HK$24.26M · min. income ≈ HK$259,442/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,145,497 · Scale 2, in force from 26 Feb 2026)