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$63,468
−HK$3,980/mo
▼ 0.25% · 3.875%
HK$65,442
−HK$2,006/mo
Today · 4.125%
HK$67,448
baseline
▲ 0.50% · 4.625%
HK$71,552
+HK$4,104/mo
Deposit HK$13.92M · loan HK$13.92M · min. income ≈ HK$134,896/mo (50% DSR)
Upfront cash ≈ HK$15.10M (deposit + AVD stamp duty HK$1,182,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,607
−HK$3,815/mo
▼ 0.25% · 3.875%
HK$72,501
−HK$1,921/mo
Today · 4.125%
HK$74,422
baseline
▲ 0.50% · 4.625%
HK$78,345
+HK$3,923/mo
Deposit HK$13.92M · loan HK$13.92M · min. income ≈ HK$148,844/mo (50% DSR)
Upfront cash ≈ HK$15.10M (deposit + AVD stamp duty HK$1,182,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,161
−HK$4,776/mo
▼ 0.25% · 3.875%
HK$78,531
−HK$2,406/mo
Today · 4.125%
HK$80,937
baseline
▲ 0.50% · 4.625%
HK$85,862
+HK$4,925/mo
Deposit HK$11.13M · loan HK$16.70M · min. income ≈ HK$161,874/mo (50% DSR)
Upfront cash ≈ HK$12.32M (deposit + AVD stamp duty HK$1,182,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,729
−HK$4,577/mo
▼ 0.25% · 3.875%
HK$87,001
−HK$2,305/mo
Today · 4.125%
HK$89,306
baseline
▲ 0.50% · 4.625%
HK$94,014
+HK$4,708/mo
Deposit HK$11.13M · loan HK$16.70M · min. income ≈ HK$178,612/mo (50% DSR)
Upfront cash ≈ HK$12.32M (deposit + AVD stamp duty HK$1,182,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,855
−HK$5,572/mo
▼ 0.25% · 3.875%
HK$91,619
−HK$2,808/mo
Today · 4.125%
HK$94,427
baseline
▲ 0.50% · 4.625%
HK$100,173
+HK$5,746/mo
Deposit HK$8.35M · loan HK$19.48M · min. income ≈ HK$188,854/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$1,182,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,850
−HK$5,341/mo
▼ 0.25% · 3.875%
HK$101,501
−HK$2,690/mo
Today · 4.125%
HK$104,191
baseline
▲ 0.50% · 4.625%
HK$109,683
+HK$5,492/mo
Deposit HK$8.35M · loan HK$19.48M · min. income ≈ HK$208,382/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$1,182,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,242
−HK$7,164/mo
▼ 0.25% · 3.875%
HK$117,796
−HK$3,610/mo
Today · 4.125%
HK$121,406
baseline
▲ 0.50% · 4.625%
HK$128,793
+HK$7,387/mo
Deposit HK$2.78M · loan HK$25.05M · min. income ≈ HK$242,812/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,182,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,093
−HK$6,867/mo
▼ 0.25% · 3.875%
HK$130,502
−HK$3,458/mo
Today · 4.125%
HK$133,960
baseline
▲ 0.50% · 4.625%
HK$141,021
+HK$7,061/mo
Deposit HK$2.78M · loan HK$25.05M · min. income ≈ HK$267,920/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,182,931 · Scale 2, in force from 26 Feb 2026)