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$63,401
−HK$3,976/mo
▼ 0.25% · 3.875%
HK$65,373
−HK$2,004/mo
Today · 4.125%
HK$67,377
baseline
▲ 0.50% · 4.625%
HK$71,476
+HK$4,099/mo
Deposit HK$13.90M · loan HK$13.90M · min. income ≈ HK$134,754/mo (50% DSR)
Upfront cash ≈ HK$15.08M (deposit + AVD stamp duty HK$1,181,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,533
−HK$3,811/mo
▼ 0.25% · 3.875%
HK$72,425
−HK$1,919/mo
Today · 4.125%
HK$74,344
baseline
▲ 0.50% · 4.625%
HK$78,262
+HK$3,918/mo
Deposit HK$13.90M · loan HK$13.90M · min. income ≈ HK$148,688/mo (50% DSR)
Upfront cash ≈ HK$15.08M (deposit + AVD stamp duty HK$1,181,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,081
−HK$4,771/mo
▼ 0.25% · 3.875%
HK$78,448
−HK$2,404/mo
Today · 4.125%
HK$80,852
baseline
▲ 0.50% · 4.625%
HK$85,772
+HK$4,920/mo
Deposit HK$11.12M · loan HK$16.68M · min. income ≈ HK$161,704/mo (50% DSR)
Upfront cash ≈ HK$12.30M (deposit + AVD stamp duty HK$1,181,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,639
−HK$4,573/mo
▼ 0.25% · 3.875%
HK$86,909
−HK$2,303/mo
Today · 4.125%
HK$89,212
baseline
▲ 0.50% · 4.625%
HK$93,915
+HK$4,703/mo
Deposit HK$11.12M · loan HK$16.68M · min. income ≈ HK$178,424/mo (50% DSR)
Upfront cash ≈ HK$12.30M (deposit + AVD stamp duty HK$1,181,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,761
−HK$5,566/mo
▼ 0.25% · 3.875%
HK$91,522
−HK$2,805/mo
Today · 4.125%
HK$94,327
baseline
▲ 0.50% · 4.625%
HK$100,067
+HK$5,740/mo
Deposit HK$8.34M · loan HK$19.46M · min. income ≈ HK$188,654/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$1,181,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,746
−HK$5,335/mo
▼ 0.25% · 3.875%
HK$101,394
−HK$2,687/mo
Today · 4.125%
HK$104,081
baseline
▲ 0.50% · 4.625%
HK$109,567
+HK$5,486/mo
Deposit HK$8.34M · loan HK$19.46M · min. income ≈ HK$208,162/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$1,181,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,122
−HK$7,156/mo
▼ 0.25% · 3.875%
HK$117,671
−HK$3,607/mo
Today · 4.125%
HK$121,278
baseline
▲ 0.50% · 4.625%
HK$128,658
+HK$7,380/mo
Deposit HK$2.78M · loan HK$25.02M · min. income ≈ HK$242,556/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$1,181,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,959
−HK$6,859/mo
▼ 0.25% · 3.875%
HK$130,364
−HK$3,454/mo
Today · 4.125%
HK$133,818
baseline
▲ 0.50% · 4.625%
HK$140,872
+HK$7,054/mo
Deposit HK$2.78M · loan HK$25.02M · min. income ≈ HK$267,636/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$1,181,683 · Scale 2, in force from 26 Feb 2026)