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$62,673
−HK$3,931/mo
▼ 0.25% · 3.875%
HK$64,623
−HK$1,981/mo
Today · 4.125%
HK$66,604
baseline
▲ 0.50% · 4.625%
HK$70,656
+HK$4,052/mo
Deposit HK$13.74M · loan HK$13.74M · min. income ≈ HK$133,208/mo (50% DSR)
Upfront cash ≈ HK$14.91M (deposit + AVD stamp duty HK$1,168,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,724
−HK$3,766/mo
▼ 0.25% · 3.875%
HK$71,593
−HK$1,897/mo
Today · 4.125%
HK$73,490
baseline
▲ 0.50% · 4.625%
HK$77,364
+HK$3,874/mo
Deposit HK$13.74M · loan HK$13.74M · min. income ≈ HK$146,980/mo (50% DSR)
Upfront cash ≈ HK$14.91M (deposit + AVD stamp duty HK$1,168,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,208
−HK$4,716/mo
▼ 0.25% · 3.875%
HK$77,547
−HK$2,377/mo
Today · 4.125%
HK$79,924
baseline
▲ 0.50% · 4.625%
HK$84,787
+HK$4,863/mo
Deposit HK$10.99M · loan HK$16.49M · min. income ≈ HK$159,848/mo (50% DSR)
Upfront cash ≈ HK$12.16M (deposit + AVD stamp duty HK$1,168,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,668
−HK$4,521/mo
▼ 0.25% · 3.875%
HK$85,912
−HK$2,277/mo
Today · 4.125%
HK$88,189
baseline
▲ 0.50% · 4.625%
HK$92,837
+HK$4,648/mo
Deposit HK$10.99M · loan HK$16.49M · min. income ≈ HK$176,378/mo (50% DSR)
Upfront cash ≈ HK$12.16M (deposit + AVD stamp duty HK$1,168,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,743
−HK$5,502/mo
▼ 0.25% · 3.875%
HK$90,472
−HK$2,773/mo
Today · 4.125%
HK$93,245
baseline
▲ 0.50% · 4.625%
HK$98,919
+HK$5,674/mo
Deposit HK$8.25M · loan HK$19.24M · min. income ≈ HK$186,490/mo (50% DSR)
Upfront cash ≈ HK$9.41M (deposit + AVD stamp duty HK$1,168,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,613
−HK$5,274/mo
▼ 0.25% · 3.875%
HK$100,231
−HK$2,656/mo
Today · 4.125%
HK$102,887
baseline
▲ 0.50% · 4.625%
HK$108,310
+HK$5,423/mo
Deposit HK$8.25M · loan HK$19.24M · min. income ≈ HK$205,774/mo (50% DSR)
Upfront cash ≈ HK$9.41M (deposit + AVD stamp duty HK$1,168,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,812
−HK$7,074/mo
▼ 0.25% · 3.875%
HK$116,321
−HK$3,565/mo
Today · 4.125%
HK$119,886
baseline
▲ 0.50% · 4.625%
HK$127,181
+HK$7,295/mo
Deposit HK$2.75M · loan HK$24.74M · min. income ≈ HK$239,772/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$1,168,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,502
−HK$6,781/mo
▼ 0.25% · 3.875%
HK$128,868
−HK$3,415/mo
Today · 4.125%
HK$132,283
baseline
▲ 0.50% · 4.625%
HK$139,256
+HK$6,973/mo
Deposit HK$2.75M · loan HK$24.74M · min. income ≈ HK$264,566/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$1,168,123 · Scale 2, in force from 26 Feb 2026)