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$60,955
−HK$3,823/mo
▼ 0.25% · 3.875%
HK$62,851
−HK$1,927/mo
Today · 4.125%
HK$64,778
baseline
▲ 0.50% · 4.625%
HK$68,719
+HK$3,941/mo
Deposit HK$13.37M · loan HK$13.37M · min. income ≈ HK$129,556/mo (50% DSR)
Upfront cash ≈ HK$14.50M (deposit + AVD stamp duty HK$1,136,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,812
−HK$3,664/mo
▼ 0.25% · 3.875%
HK$69,631
−HK$1,845/mo
Today · 4.125%
HK$71,476
baseline
▲ 0.50% · 4.625%
HK$75,244
+HK$3,768/mo
Deposit HK$13.37M · loan HK$13.37M · min. income ≈ HK$142,952/mo (50% DSR)
Upfront cash ≈ HK$14.50M (deposit + AVD stamp duty HK$1,136,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,146
−HK$4,587/mo
▼ 0.25% · 3.875%
HK$75,422
−HK$2,311/mo
Today · 4.125%
HK$77,733
baseline
▲ 0.50% · 4.625%
HK$82,463
+HK$4,730/mo
Deposit HK$10.69M · loan HK$16.04M · min. income ≈ HK$155,466/mo (50% DSR)
Upfront cash ≈ HK$11.83M (deposit + AVD stamp duty HK$1,136,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,375
−HK$4,396/mo
▼ 0.25% · 3.875%
HK$83,557
−HK$2,214/mo
Today · 4.125%
HK$85,771
baseline
▲ 0.50% · 4.625%
HK$90,292
+HK$4,521/mo
Deposit HK$10.69M · loan HK$16.04M · min. income ≈ HK$171,542/mo (50% DSR)
Upfront cash ≈ HK$11.83M (deposit + AVD stamp duty HK$1,136,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,338
−HK$5,351/mo
▼ 0.25% · 3.875%
HK$87,992
−HK$2,697/mo
Today · 4.125%
HK$90,689
baseline
▲ 0.50% · 4.625%
HK$96,207
+HK$5,518/mo
Deposit HK$8.02M · loan HK$18.71M · min. income ≈ HK$181,378/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$1,136,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,937
−HK$5,129/mo
▼ 0.25% · 3.875%
HK$97,483
−HK$2,583/mo
Today · 4.125%
HK$100,066
baseline
▲ 0.50% · 4.625%
HK$105,341
+HK$5,275/mo
Deposit HK$8.02M · loan HK$18.71M · min. income ≈ HK$200,132/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$1,136,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,720
−HK$6,880/mo
▼ 0.25% · 3.875%
HK$113,133
−HK$3,467/mo
Today · 4.125%
HK$116,600
baseline
▲ 0.50% · 4.625%
HK$123,695
+HK$7,095/mo
Deposit HK$2.67M · loan HK$24.06M · min. income ≈ HK$233,200/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,136,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,062
−HK$6,595/mo
▼ 0.25% · 3.875%
HK$125,336
−HK$3,321/mo
Today · 4.125%
HK$128,657
baseline
▲ 0.50% · 4.625%
HK$135,438
+HK$6,781/mo
Deposit HK$2.67M · loan HK$24.06M · min. income ≈ HK$257,314/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,136,102 · Scale 2, in force from 26 Feb 2026)