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$63,746
−HK$3,998/mo
▼ 0.25% · 3.875%
HK$65,729
−HK$2,015/mo
Today · 4.125%
HK$67,744
baseline
▲ 0.50% · 4.625%
HK$71,866
+HK$4,122/mo
Deposit HK$13.98M · loan HK$13.98M · min. income ≈ HK$135,488/mo (50% DSR)
Upfront cash ≈ HK$15.17M (deposit + AVD stamp duty HK$1,188,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,917
−HK$3,831/mo
▼ 0.25% · 3.875%
HK$72,819
−HK$1,929/mo
Today · 4.125%
HK$74,748
baseline
▲ 0.50% · 4.625%
HK$78,689
+HK$3,941/mo
Deposit HK$13.98M · loan HK$13.98M · min. income ≈ HK$149,496/mo (50% DSR)
Upfront cash ≈ HK$15.17M (deposit + AVD stamp duty HK$1,188,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,495
−HK$4,797/mo
▼ 0.25% · 3.875%
HK$78,875
−HK$2,417/mo
Today · 4.125%
HK$81,292
baseline
▲ 0.50% · 4.625%
HK$86,239
+HK$4,947/mo
Deposit HK$11.18M · loan HK$16.77M · min. income ≈ HK$162,584/mo (50% DSR)
Upfront cash ≈ HK$12.37M (deposit + AVD stamp duty HK$1,188,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,100
−HK$4,598/mo
▼ 0.25% · 3.875%
HK$87,383
−HK$2,315/mo
Today · 4.125%
HK$89,698
baseline
▲ 0.50% · 4.625%
HK$94,426
+HK$4,728/mo
Deposit HK$11.18M · loan HK$16.77M · min. income ≈ HK$179,396/mo (50% DSR)
Upfront cash ≈ HK$12.37M (deposit + AVD stamp duty HK$1,188,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,245
−HK$5,596/mo
▼ 0.25% · 3.875%
HK$92,021
−HK$2,820/mo
Today · 4.125%
HK$94,841
baseline
▲ 0.50% · 4.625%
HK$100,612
+HK$5,771/mo
Deposit HK$8.39M · loan HK$19.57M · min. income ≈ HK$189,682/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$1,188,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,284
−HK$5,364/mo
▼ 0.25% · 3.875%
HK$101,947
−HK$2,701/mo
Today · 4.125%
HK$104,648
baseline
▲ 0.50% · 4.625%
HK$110,164
+HK$5,516/mo
Deposit HK$8.39M · loan HK$19.57M · min. income ≈ HK$209,296/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$1,188,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,743
−HK$7,196/mo
▼ 0.25% · 3.875%
HK$118,312
−HK$3,627/mo
Today · 4.125%
HK$121,939
baseline
▲ 0.50% · 4.625%
HK$129,358
+HK$7,419/mo
Deposit HK$2.80M · loan HK$25.16M · min. income ≈ HK$243,878/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$1,188,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,651
−HK$6,896/mo
▼ 0.25% · 3.875%
HK$131,074
−HK$3,473/mo
Today · 4.125%
HK$134,547
baseline
▲ 0.50% · 4.625%
HK$141,639
+HK$7,092/mo
Deposit HK$2.80M · loan HK$25.16M · min. income ≈ HK$269,094/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$1,188,118 · Scale 2, in force from 26 Feb 2026)