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$61,973
−HK$3,887/mo
▼ 0.25% · 3.875%
HK$63,901
−HK$1,959/mo
Today · 4.125%
HK$65,860
baseline
▲ 0.50% · 4.625%
HK$69,867
+HK$4,007/mo
Deposit HK$13.59M · loan HK$13.59M · min. income ≈ HK$131,720/mo (50% DSR)
Upfront cash ≈ HK$14.74M (deposit + AVD stamp duty HK$1,155,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,945
−HK$3,725/mo
▼ 0.25% · 3.875%
HK$70,794
−HK$1,876/mo
Today · 4.125%
HK$72,670
baseline
▲ 0.50% · 4.625%
HK$76,500
+HK$3,830/mo
Deposit HK$13.59M · loan HK$13.59M · min. income ≈ HK$145,340/mo (50% DSR)
Upfront cash ≈ HK$14.74M (deposit + AVD stamp duty HK$1,155,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,368
−HK$4,664/mo
▼ 0.25% · 3.875%
HK$76,681
−HK$2,351/mo
Today · 4.125%
HK$79,032
baseline
▲ 0.50% · 4.625%
HK$83,841
+HK$4,809/mo
Deposit HK$10.87M · loan HK$16.31M · min. income ≈ HK$158,064/mo (50% DSR)
Upfront cash ≈ HK$12.03M (deposit + AVD stamp duty HK$1,155,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,734
−HK$4,470/mo
▼ 0.25% · 3.875%
HK$84,953
−HK$2,251/mo
Today · 4.125%
HK$87,204
baseline
▲ 0.50% · 4.625%
HK$91,800
+HK$4,596/mo
Deposit HK$10.87M · loan HK$16.31M · min. income ≈ HK$174,408/mo (50% DSR)
Upfront cash ≈ HK$12.03M (deposit + AVD stamp duty HK$1,155,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,763
−HK$5,441/mo
▼ 0.25% · 3.875%
HK$89,462
−HK$2,742/mo
Today · 4.125%
HK$92,204
baseline
▲ 0.50% · 4.625%
HK$97,814
+HK$5,610/mo
Deposit HK$8.15M · loan HK$19.02M · min. income ≈ HK$184,408/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$1,155,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,523
−HK$5,215/mo
▼ 0.25% · 3.875%
HK$99,111
−HK$2,627/mo
Today · 4.125%
HK$101,738
baseline
▲ 0.50% · 4.625%
HK$107,100
+HK$5,362/mo
Deposit HK$8.15M · loan HK$19.02M · min. income ≈ HK$203,476/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$1,155,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,552
−HK$6,996/mo
▼ 0.25% · 3.875%
HK$115,022
−HK$3,526/mo
Today · 4.125%
HK$118,548
baseline
▲ 0.50% · 4.625%
HK$125,761
+HK$7,213/mo
Deposit HK$2.72M · loan HK$24.46M · min. income ≈ HK$237,096/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,155,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,101
−HK$6,704/mo
▼ 0.25% · 3.875%
HK$127,429
−HK$3,376/mo
Today · 4.125%
HK$130,805
baseline
▲ 0.50% · 4.625%
HK$137,700
+HK$6,895/mo
Deposit HK$2.72M · loan HK$24.46M · min. income ≈ HK$261,610/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,155,077 · Scale 2, in force from 26 Feb 2026)