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$61,470
−HK$3,854/mo
▼ 0.25% · 3.875%
HK$63,382
−HK$1,942/mo
Today · 4.125%
HK$65,324
baseline
▲ 0.50% · 4.625%
HK$69,299
+HK$3,975/mo
Deposit HK$13.48M · loan HK$13.48M · min. income ≈ HK$130,648/mo (50% DSR)
Upfront cash ≈ HK$14.62M (deposit + AVD stamp duty HK$1,145,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,384
−HK$3,695/mo
▼ 0.25% · 3.875%
HK$70,219
−HK$1,860/mo
Today · 4.125%
HK$72,079
baseline
▲ 0.50% · 4.625%
HK$75,878
+HK$3,799/mo
Deposit HK$13.48M · loan HK$13.48M · min. income ≈ HK$144,158/mo (50% DSR)
Upfront cash ≈ HK$14.62M (deposit + AVD stamp duty HK$1,145,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,764
−HK$4,625/mo
▼ 0.25% · 3.875%
HK$76,058
−HK$2,331/mo
Today · 4.125%
HK$78,389
baseline
▲ 0.50% · 4.625%
HK$83,159
+HK$4,770/mo
Deposit HK$10.78M · loan HK$16.17M · min. income ≈ HK$156,778/mo (50% DSR)
Upfront cash ≈ HK$11.93M (deposit + AVD stamp duty HK$1,145,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,061
−HK$4,434/mo
▼ 0.25% · 3.875%
HK$84,262
−HK$2,233/mo
Today · 4.125%
HK$86,495
baseline
▲ 0.50% · 4.625%
HK$91,054
+HK$4,559/mo
Deposit HK$10.78M · loan HK$16.17M · min. income ≈ HK$172,990/mo (50% DSR)
Upfront cash ≈ HK$11.93M (deposit + AVD stamp duty HK$1,145,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,058
−HK$5,396/mo
▼ 0.25% · 3.875%
HK$88,735
−HK$2,719/mo
Today · 4.125%
HK$91,454
baseline
▲ 0.50% · 4.625%
HK$97,019
+HK$5,565/mo
Deposit HK$8.09M · loan HK$18.87M · min. income ≈ HK$182,908/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$1,145,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,738
−HK$5,173/mo
▼ 0.25% · 3.875%
HK$98,306
−HK$2,605/mo
Today · 4.125%
HK$100,911
baseline
▲ 0.50% · 4.625%
HK$106,230
+HK$5,319/mo
Deposit HK$8.09M · loan HK$18.87M · min. income ≈ HK$201,822/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$1,145,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,646
−HK$6,938/mo
▼ 0.25% · 3.875%
HK$114,087
−HK$3,497/mo
Today · 4.125%
HK$117,584
baseline
▲ 0.50% · 4.625%
HK$124,739
+HK$7,155/mo
Deposit HK$2.70M · loan HK$24.26M · min. income ≈ HK$235,168/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,145,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,092
−HK$6,650/mo
▼ 0.25% · 3.875%
HK$126,393
−HK$3,349/mo
Today · 4.125%
HK$129,742
baseline
▲ 0.50% · 4.625%
HK$136,581
+HK$6,839/mo
Deposit HK$2.70M · loan HK$24.26M · min. income ≈ HK$259,484/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,145,689 · Scale 2, in force from 26 Feb 2026)