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$61,155
−HK$3,834/mo
▼ 0.25% · 3.875%
HK$63,057
−HK$1,932/mo
Today · 4.125%
HK$64,989
baseline
▲ 0.50% · 4.625%
HK$68,944
+HK$3,955/mo
Deposit HK$13.41M · loan HK$13.41M · min. income ≈ HK$129,978/mo (50% DSR)
Upfront cash ≈ HK$14.55M (deposit + AVD stamp duty HK$1,139,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,034
−HK$3,675/mo
▼ 0.25% · 3.875%
HK$69,858
−HK$1,851/mo
Today · 4.125%
HK$71,709
baseline
▲ 0.50% · 4.625%
HK$75,489
+HK$3,780/mo
Deposit HK$13.41M · loan HK$13.41M · min. income ≈ HK$143,418/mo (50% DSR)
Upfront cash ≈ HK$14.55M (deposit + AVD stamp duty HK$1,139,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,385
−HK$4,602/mo
▼ 0.25% · 3.875%
HK$75,668
−HK$2,319/mo
Today · 4.125%
HK$77,987
baseline
▲ 0.50% · 4.625%
HK$82,733
+HK$4,746/mo
Deposit HK$10.73M · loan HK$16.09M · min. income ≈ HK$155,974/mo (50% DSR)
Upfront cash ≈ HK$11.87M (deposit + AVD stamp duty HK$1,139,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,641
−HK$4,410/mo
▼ 0.25% · 3.875%
HK$83,830
−HK$2,221/mo
Today · 4.125%
HK$86,051
baseline
▲ 0.50% · 4.625%
HK$90,587
+HK$4,536/mo
Deposit HK$10.73M · loan HK$16.09M · min. income ≈ HK$172,102/mo (50% DSR)
Upfront cash ≈ HK$11.87M (deposit + AVD stamp duty HK$1,139,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,616
−HK$5,369/mo
▼ 0.25% · 3.875%
HK$88,280
−HK$2,705/mo
Today · 4.125%
HK$90,985
baseline
▲ 0.50% · 4.625%
HK$96,522
+HK$5,537/mo
Deposit HK$8.05M · loan HK$18.77M · min. income ≈ HK$181,970/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$1,139,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,247
−HK$5,146/mo
▼ 0.25% · 3.875%
HK$97,802
−HK$2,591/mo
Today · 4.125%
HK$100,393
baseline
▲ 0.50% · 4.625%
HK$105,685
+HK$5,292/mo
Deposit HK$8.05M · loan HK$18.77M · min. income ≈ HK$200,786/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$1,139,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,078
−HK$6,903/mo
▼ 0.25% · 3.875%
HK$113,502
−HK$3,479/mo
Today · 4.125%
HK$116,981
baseline
▲ 0.50% · 4.625%
HK$124,099
+HK$7,118/mo
Deposit HK$2.68M · loan HK$24.14M · min. income ≈ HK$233,962/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,139,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,461
−HK$6,616/mo
▼ 0.25% · 3.875%
HK$125,745
−HK$3,332/mo
Today · 4.125%
HK$129,077
baseline
▲ 0.50% · 4.625%
HK$135,881
+HK$6,804/mo
Deposit HK$2.68M · loan HK$24.14M · min. income ≈ HK$258,154/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,139,815 · Scale 2, in force from 26 Feb 2026)