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$62,075
−HK$3,893/mo
▼ 0.25% · 3.875%
HK$64,006
−HK$1,962/mo
Today · 4.125%
HK$65,968
baseline
▲ 0.50% · 4.625%
HK$69,982
+HK$4,014/mo
Deposit HK$13.61M · loan HK$13.61M · min. income ≈ HK$131,936/mo (50% DSR)
Upfront cash ≈ HK$14.77M (deposit + AVD stamp duty HK$1,156,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,058
−HK$3,731/mo
▼ 0.25% · 3.875%
HK$70,910
−HK$1,879/mo
Today · 4.125%
HK$72,789
baseline
▲ 0.50% · 4.625%
HK$76,626
+HK$3,837/mo
Deposit HK$13.61M · loan HK$13.61M · min. income ≈ HK$145,578/mo (50% DSR)
Upfront cash ≈ HK$14.77M (deposit + AVD stamp duty HK$1,156,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,490
−HK$4,671/mo
▼ 0.25% · 3.875%
HK$76,807
−HK$2,354/mo
Today · 4.125%
HK$79,161
baseline
▲ 0.50% · 4.625%
HK$83,978
+HK$4,817/mo
Deposit HK$10.89M · loan HK$16.33M · min. income ≈ HK$158,322/mo (50% DSR)
Upfront cash ≈ HK$12.05M (deposit + AVD stamp duty HK$1,156,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,870
−HK$4,477/mo
▼ 0.25% · 3.875%
HK$85,092
−HK$2,255/mo
Today · 4.125%
HK$87,347
baseline
▲ 0.50% · 4.625%
HK$91,951
+HK$4,604/mo
Deposit HK$10.89M · loan HK$16.33M · min. income ≈ HK$174,694/mo (50% DSR)
Upfront cash ≈ HK$12.05M (deposit + AVD stamp duty HK$1,156,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,905
−HK$5,450/mo
▼ 0.25% · 3.875%
HK$89,609
−HK$2,746/mo
Today · 4.125%
HK$92,355
baseline
▲ 0.50% · 4.625%
HK$97,975
+HK$5,620/mo
Deposit HK$8.17M · loan HK$19.06M · min. income ≈ HK$184,710/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$1,156,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,681
−HK$5,224/mo
▼ 0.25% · 3.875%
HK$99,274
−HK$2,631/mo
Today · 4.125%
HK$101,905
baseline
▲ 0.50% · 4.625%
HK$107,276
+HK$5,371/mo
Deposit HK$8.17M · loan HK$19.06M · min. income ≈ HK$203,810/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$1,156,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,735
−HK$7,007/mo
▼ 0.25% · 3.875%
HK$115,211
−HK$3,531/mo
Today · 4.125%
HK$118,742
baseline
▲ 0.50% · 4.625%
HK$125,967
+HK$7,225/mo
Deposit HK$2.72M · loan HK$24.50M · min. income ≈ HK$237,484/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,156,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,304
−HK$6,716/mo
▼ 0.25% · 3.875%
HK$127,638
−HK$3,382/mo
Today · 4.125%
HK$131,020
baseline
▲ 0.50% · 4.625%
HK$137,926
+HK$6,906/mo
Deposit HK$2.72M · loan HK$24.50M · min. income ≈ HK$262,040/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,156,973 · Scale 2, in force from 26 Feb 2026)