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$61,156
−HK$3,835/mo
▼ 0.25% · 3.875%
HK$63,058
−HK$1,933/mo
Today · 4.125%
HK$64,991
baseline
▲ 0.50% · 4.625%
HK$68,945
+HK$3,954/mo
Deposit HK$13.41M · loan HK$13.41M · min. income ≈ HK$129,982/mo (50% DSR)
Upfront cash ≈ HK$14.55M (deposit + AVD stamp duty HK$1,139,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,035
−HK$3,676/mo
▼ 0.25% · 3.875%
HK$69,860
−HK$1,851/mo
Today · 4.125%
HK$71,711
baseline
▲ 0.50% · 4.625%
HK$75,491
+HK$3,780/mo
Deposit HK$13.41M · loan HK$13.41M · min. income ≈ HK$143,422/mo (50% DSR)
Upfront cash ≈ HK$14.55M (deposit + AVD stamp duty HK$1,139,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,387
−HK$4,602/mo
▼ 0.25% · 3.875%
HK$75,669
−HK$2,320/mo
Today · 4.125%
HK$77,989
baseline
▲ 0.50% · 4.625%
HK$82,734
+HK$4,745/mo
Deposit HK$10.73M · loan HK$16.09M · min. income ≈ HK$155,978/mo (50% DSR)
Upfront cash ≈ HK$11.87M (deposit + AVD stamp duty HK$1,139,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,642
−HK$4,411/mo
▼ 0.25% · 3.875%
HK$83,832
−HK$2,221/mo
Today · 4.125%
HK$86,053
baseline
▲ 0.50% · 4.625%
HK$90,589
+HK$4,536/mo
Deposit HK$10.73M · loan HK$16.09M · min. income ≈ HK$172,106/mo (50% DSR)
Upfront cash ≈ HK$11.87M (deposit + AVD stamp duty HK$1,139,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,618
−HK$5,369/mo
▼ 0.25% · 3.875%
HK$88,281
−HK$2,706/mo
Today · 4.125%
HK$90,987
baseline
▲ 0.50% · 4.625%
HK$96,523
+HK$5,536/mo
Deposit HK$8.05M · loan HK$18.77M · min. income ≈ HK$181,974/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$1,139,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,249
−HK$5,146/mo
▼ 0.25% · 3.875%
HK$97,804
−HK$2,591/mo
Today · 4.125%
HK$100,395
baseline
▲ 0.50% · 4.625%
HK$105,687
+HK$5,292/mo
Deposit HK$8.05M · loan HK$18.77M · min. income ≈ HK$200,790/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$1,139,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,080
−HK$6,903/mo
▼ 0.25% · 3.875%
HK$113,504
−HK$3,479/mo
Today · 4.125%
HK$116,983
baseline
▲ 0.50% · 4.625%
HK$124,101
+HK$7,118/mo
Deposit HK$2.68M · loan HK$24.14M · min. income ≈ HK$233,966/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,139,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,463
−HK$6,616/mo
▼ 0.25% · 3.875%
HK$125,747
−HK$3,332/mo
Today · 4.125%
HK$129,079
baseline
▲ 0.50% · 4.625%
HK$135,883
+HK$6,804/mo
Deposit HK$2.68M · loan HK$24.14M · min. income ≈ HK$258,158/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,139,834 · Scale 2, in force from 26 Feb 2026)