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$61,136
−HK$3,834/mo
▼ 0.25% · 3.875%
HK$63,038
−HK$1,932/mo
Today · 4.125%
HK$64,970
baseline
▲ 0.50% · 4.625%
HK$68,923
+HK$3,953/mo
Deposit HK$13.41M · loan HK$13.41M · min. income ≈ HK$129,940/mo (50% DSR)
Upfront cash ≈ HK$14.55M (deposit + AVD stamp duty HK$1,139,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,014
−HK$3,674/mo
▼ 0.25% · 3.875%
HK$69,838
−HK$1,850/mo
Today · 4.125%
HK$71,688
baseline
▲ 0.50% · 4.625%
HK$75,467
+HK$3,779/mo
Deposit HK$13.41M · loan HK$13.41M · min. income ≈ HK$143,376/mo (50% DSR)
Upfront cash ≈ HK$14.55M (deposit + AVD stamp duty HK$1,139,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,364
−HK$4,600/mo
▼ 0.25% · 3.875%
HK$75,646
−HK$2,318/mo
Today · 4.125%
HK$77,964
baseline
▲ 0.50% · 4.625%
HK$82,708
+HK$4,744/mo
Deposit HK$10.72M · loan HK$16.09M · min. income ≈ HK$155,928/mo (50% DSR)
Upfront cash ≈ HK$11.86M (deposit + AVD stamp duty HK$1,139,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,616
−HK$4,410/mo
▼ 0.25% · 3.875%
HK$83,805
−HK$2,221/mo
Today · 4.125%
HK$86,026
baseline
▲ 0.50% · 4.625%
HK$90,560
+HK$4,534/mo
Deposit HK$10.72M · loan HK$16.09M · min. income ≈ HK$172,052/mo (50% DSR)
Upfront cash ≈ HK$11.86M (deposit + AVD stamp duty HK$1,139,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,591
−HK$5,367/mo
▼ 0.25% · 3.875%
HK$88,253
−HK$2,705/mo
Today · 4.125%
HK$90,958
baseline
▲ 0.50% · 4.625%
HK$96,493
+HK$5,535/mo
Deposit HK$8.04M · loan HK$18.77M · min. income ≈ HK$181,916/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$1,139,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,219
−HK$5,144/mo
▼ 0.25% · 3.875%
HK$97,773
−HK$2,590/mo
Today · 4.125%
HK$100,363
baseline
▲ 0.50% · 4.625%
HK$105,654
+HK$5,291/mo
Deposit HK$8.04M · loan HK$18.77M · min. income ≈ HK$200,726/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$1,139,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,045
−HK$6,901/mo
▼ 0.25% · 3.875%
HK$113,468
−HK$3,478/mo
Today · 4.125%
HK$116,946
baseline
▲ 0.50% · 4.625%
HK$124,062
+HK$7,116/mo
Deposit HK$2.68M · loan HK$24.13M · min. income ≈ HK$233,892/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,139,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,424
−HK$6,615/mo
▼ 0.25% · 3.875%
HK$125,708
−HK$3,331/mo
Today · 4.125%
HK$129,039
baseline
▲ 0.50% · 4.625%
HK$135,840
+HK$6,801/mo
Deposit HK$2.68M · loan HK$24.13M · min. income ≈ HK$258,078/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,139,474 · Scale 2, in force from 26 Feb 2026)