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$62,174
−HK$3,899/mo
▼ 0.25% · 3.875%
HK$64,108
−HK$1,965/mo
Today · 4.125%
HK$66,073
baseline
▲ 0.50% · 4.625%
HK$70,093
+HK$4,020/mo
Deposit HK$13.63M · loan HK$13.63M · min. income ≈ HK$132,146/mo (50% DSR)
Upfront cash ≈ HK$14.79M (deposit + AVD stamp duty HK$1,158,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,168
−HK$3,737/mo
▼ 0.25% · 3.875%
HK$71,023
−HK$1,882/mo
Today · 4.125%
HK$72,905
baseline
▲ 0.50% · 4.625%
HK$76,748
+HK$3,843/mo
Deposit HK$13.63M · loan HK$13.63M · min. income ≈ HK$145,810/mo (50% DSR)
Upfront cash ≈ HK$14.79M (deposit + AVD stamp duty HK$1,158,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,609
−HK$4,678/mo
▼ 0.25% · 3.875%
HK$76,929
−HK$2,358/mo
Today · 4.125%
HK$79,287
baseline
▲ 0.50% · 4.625%
HK$84,112
+HK$4,825/mo
Deposit HK$10.91M · loan HK$16.36M · min. income ≈ HK$158,574/mo (50% DSR)
Upfront cash ≈ HK$12.07M (deposit + AVD stamp duty HK$1,158,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,001
−HK$4,485/mo
▼ 0.25% · 3.875%
HK$85,228
−HK$2,258/mo
Today · 4.125%
HK$87,486
baseline
▲ 0.50% · 4.625%
HK$92,097
+HK$4,611/mo
Deposit HK$10.91M · loan HK$16.36M · min. income ≈ HK$174,972/mo (50% DSR)
Upfront cash ≈ HK$12.07M (deposit + AVD stamp duty HK$1,158,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,044
−HK$5,458/mo
▼ 0.25% · 3.875%
HK$89,751
−HK$2,751/mo
Today · 4.125%
HK$92,502
baseline
▲ 0.50% · 4.625%
HK$98,130
+HK$5,628/mo
Deposit HK$8.18M · loan HK$19.09M · min. income ≈ HK$185,004/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$1,158,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,835
−HK$5,232/mo
▼ 0.25% · 3.875%
HK$99,432
−HK$2,635/mo
Today · 4.125%
HK$102,067
baseline
▲ 0.50% · 4.625%
HK$107,447
+HK$5,380/mo
Deposit HK$8.18M · loan HK$19.09M · min. income ≈ HK$204,134/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$1,158,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,913
−HK$7,018/mo
▼ 0.25% · 3.875%
HK$115,394
−HK$3,537/mo
Today · 4.125%
HK$118,931
baseline
▲ 0.50% · 4.625%
HK$126,168
+HK$7,237/mo
Deposit HK$2.73M · loan HK$24.54M · min. income ≈ HK$237,862/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,158,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,502
−HK$6,727/mo
▼ 0.25% · 3.875%
HK$127,841
−HK$3,388/mo
Today · 4.125%
HK$131,229
baseline
▲ 0.50% · 4.625%
HK$138,146
+HK$6,917/mo
Deposit HK$2.73M · loan HK$24.54M · min. income ≈ HK$262,458/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,158,814 · Scale 2, in force from 26 Feb 2026)