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$63,504
−HK$3,982/mo
▼ 0.25% · 3.875%
HK$65,479
−HK$2,007/mo
Today · 4.125%
HK$67,486
baseline
▲ 0.50% · 4.625%
HK$71,592
+HK$4,106/mo
Deposit HK$13.92M · loan HK$13.92M · min. income ≈ HK$134,972/mo (50% DSR)
Upfront cash ≈ HK$15.11M (deposit + AVD stamp duty HK$1,183,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,647
−HK$3,817/mo
▼ 0.25% · 3.875%
HK$72,542
−HK$1,922/mo
Today · 4.125%
HK$74,464
baseline
▲ 0.50% · 4.625%
HK$78,389
+HK$3,925/mo
Deposit HK$13.92M · loan HK$13.92M · min. income ≈ HK$148,928/mo (50% DSR)
Upfront cash ≈ HK$15.11M (deposit + AVD stamp duty HK$1,183,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,205
−HK$4,778/mo
▼ 0.25% · 3.875%
HK$78,575
−HK$2,408/mo
Today · 4.125%
HK$80,983
baseline
▲ 0.50% · 4.625%
HK$85,911
+HK$4,928/mo
Deposit HK$11.14M · loan HK$16.71M · min. income ≈ HK$161,966/mo (50% DSR)
Upfront cash ≈ HK$12.32M (deposit + AVD stamp duty HK$1,183,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,777
−HK$4,580/mo
▼ 0.25% · 3.875%
HK$87,050
−HK$2,307/mo
Today · 4.125%
HK$89,357
baseline
▲ 0.50% · 4.625%
HK$94,067
+HK$4,710/mo
Deposit HK$11.14M · loan HK$16.71M · min. income ≈ HK$178,714/mo (50% DSR)
Upfront cash ≈ HK$12.32M (deposit + AVD stamp duty HK$1,183,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,905
−HK$5,575/mo
▼ 0.25% · 3.875%
HK$91,671
−HK$2,809/mo
Today · 4.125%
HK$94,480
baseline
▲ 0.50% · 4.625%
HK$100,229
+HK$5,749/mo
Deposit HK$8.35M · loan HK$19.49M · min. income ≈ HK$188,960/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$1,183,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,906
−HK$5,344/mo
▼ 0.25% · 3.875%
HK$101,559
−HK$2,691/mo
Today · 4.125%
HK$104,250
baseline
▲ 0.50% · 4.625%
HK$109,745
+HK$5,495/mo
Deposit HK$8.35M · loan HK$19.49M · min. income ≈ HK$208,500/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$1,183,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,307
−HK$7,168/mo
▼ 0.25% · 3.875%
HK$117,862
−HK$3,613/mo
Today · 4.125%
HK$121,475
baseline
▲ 0.50% · 4.625%
HK$128,866
+HK$7,391/mo
Deposit HK$2.78M · loan HK$25.06M · min. income ≈ HK$242,950/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,183,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,165
−HK$6,871/mo
▼ 0.25% · 3.875%
HK$130,576
−HK$3,460/mo
Today · 4.125%
HK$134,036
baseline
▲ 0.50% · 4.625%
HK$141,101
+HK$7,065/mo
Deposit HK$2.78M · loan HK$25.06M · min. income ≈ HK$268,072/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,183,600 · Scale 2, in force from 26 Feb 2026)