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$61,674
−HK$3,867/mo
▼ 0.25% · 3.875%
HK$63,592
−HK$1,949/mo
Today · 4.125%
HK$65,541
baseline
▲ 0.50% · 4.625%
HK$69,529
+HK$3,988/mo
Deposit HK$13.52M · loan HK$13.52M · min. income ≈ HK$131,082/mo (50% DSR)
Upfront cash ≈ HK$14.67M (deposit + AVD stamp duty HK$1,149,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,612
−HK$3,707/mo
▼ 0.25% · 3.875%
HK$70,452
−HK$1,867/mo
Today · 4.125%
HK$72,319
baseline
▲ 0.50% · 4.625%
HK$76,131
+HK$3,812/mo
Deposit HK$13.52M · loan HK$13.52M · min. income ≈ HK$144,638/mo (50% DSR)
Upfront cash ≈ HK$14.67M (deposit + AVD stamp duty HK$1,149,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,009
−HK$4,641/mo
▼ 0.25% · 3.875%
HK$76,311
−HK$2,339/mo
Today · 4.125%
HK$78,650
baseline
▲ 0.50% · 4.625%
HK$83,435
+HK$4,785/mo
Deposit HK$10.82M · loan HK$16.23M · min. income ≈ HK$157,300/mo (50% DSR)
Upfront cash ≈ HK$11.97M (deposit + AVD stamp duty HK$1,149,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,334
−HK$4,448/mo
▼ 0.25% · 3.875%
HK$84,542
−HK$2,240/mo
Today · 4.125%
HK$86,782
baseline
▲ 0.50% · 4.625%
HK$91,357
+HK$4,575/mo
Deposit HK$10.82M · loan HK$16.23M · min. income ≈ HK$173,564/mo (50% DSR)
Upfront cash ≈ HK$11.97M (deposit + AVD stamp duty HK$1,149,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,344
−HK$5,414/mo
▼ 0.25% · 3.875%
HK$89,029
−HK$2,729/mo
Today · 4.125%
HK$91,758
baseline
▲ 0.50% · 4.625%
HK$97,341
+HK$5,583/mo
Deposit HK$8.11M · loan HK$18.93M · min. income ≈ HK$183,516/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$1,149,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,056
−HK$5,190/mo
▼ 0.25% · 3.875%
HK$98,632
−HK$2,614/mo
Today · 4.125%
HK$101,246
baseline
▲ 0.50% · 4.625%
HK$106,583
+HK$5,337/mo
Deposit HK$8.11M · loan HK$18.93M · min. income ≈ HK$202,492/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$1,149,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,013
−HK$6,962/mo
▼ 0.25% · 3.875%
HK$114,466
−HK$3,509/mo
Today · 4.125%
HK$117,975
baseline
▲ 0.50% · 4.625%
HK$125,153
+HK$7,178/mo
Deposit HK$2.70M · loan HK$24.34M · min. income ≈ HK$235,950/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,149,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,501
−HK$6,672/mo
▼ 0.25% · 3.875%
HK$126,813
−HK$3,360/mo
Today · 4.125%
HK$130,173
baseline
▲ 0.50% · 4.625%
HK$137,035
+HK$6,862/mo
Deposit HK$2.70M · loan HK$24.34M · min. income ≈ HK$260,346/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,149,495 · Scale 2, in force from 26 Feb 2026)