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$61,617
−HK$3,864/mo
▼ 0.25% · 3.875%
HK$63,534
−HK$1,947/mo
Today · 4.125%
HK$65,481
baseline
▲ 0.50% · 4.625%
HK$69,466
+HK$3,985/mo
Deposit HK$13.51M · loan HK$13.51M · min. income ≈ HK$130,962/mo (50% DSR)
Upfront cash ≈ HK$14.66M (deposit + AVD stamp duty HK$1,148,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,549
−HK$3,703/mo
▼ 0.25% · 3.875%
HK$70,387
−HK$1,865/mo
Today · 4.125%
HK$72,252
baseline
▲ 0.50% · 4.625%
HK$76,061
+HK$3,809/mo
Deposit HK$13.51M · loan HK$13.51M · min. income ≈ HK$144,504/mo (50% DSR)
Upfront cash ≈ HK$14.66M (deposit + AVD stamp duty HK$1,148,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,941
−HK$4,637/mo
▼ 0.25% · 3.875%
HK$76,241
−HK$2,337/mo
Today · 4.125%
HK$78,578
baseline
▲ 0.50% · 4.625%
HK$83,359
+HK$4,781/mo
Deposit HK$10.81M · loan HK$16.21M · min. income ≈ HK$157,156/mo (50% DSR)
Upfront cash ≈ HK$11.96M (deposit + AVD stamp duty HK$1,148,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,258
−HK$4,445/mo
▼ 0.25% · 3.875%
HK$84,465
−HK$2,238/mo
Today · 4.125%
HK$86,703
baseline
▲ 0.50% · 4.625%
HK$91,273
+HK$4,570/mo
Deposit HK$10.81M · loan HK$16.21M · min. income ≈ HK$173,406/mo (50% DSR)
Upfront cash ≈ HK$11.96M (deposit + AVD stamp duty HK$1,148,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,264
−HK$5,410/mo
▼ 0.25% · 3.875%
HK$88,948
−HK$2,726/mo
Today · 4.125%
HK$91,674
baseline
▲ 0.50% · 4.625%
HK$97,252
+HK$5,578/mo
Deposit HK$8.11M · loan HK$18.92M · min. income ≈ HK$183,348/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$1,148,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,968
−HK$5,185/mo
▼ 0.25% · 3.875%
HK$98,542
−HK$2,611/mo
Today · 4.125%
HK$101,153
baseline
▲ 0.50% · 4.625%
HK$106,485
+HK$5,332/mo
Deposit HK$8.11M · loan HK$18.92M · min. income ≈ HK$202,306/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$1,148,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,911
−HK$6,955/mo
▼ 0.25% · 3.875%
HK$114,361
−HK$3,505/mo
Today · 4.125%
HK$117,866
baseline
▲ 0.50% · 4.625%
HK$125,038
+HK$7,172/mo
Deposit HK$2.70M · loan HK$24.32M · min. income ≈ HK$235,732/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,148,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,388
−HK$6,666/mo
▼ 0.25% · 3.875%
HK$126,697
−HK$3,357/mo
Today · 4.125%
HK$130,054
baseline
▲ 0.50% · 4.625%
HK$136,909
+HK$6,855/mo
Deposit HK$2.70M · loan HK$24.32M · min. income ≈ HK$260,108/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,148,441 · Scale 2, in force from 26 Feb 2026)