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$63,332
−HK$3,972/mo
▼ 0.25% · 3.875%
HK$65,302
−HK$2,002/mo
Today · 4.125%
HK$67,304
baseline
▲ 0.50% · 4.625%
HK$71,399
+HK$4,095/mo
Deposit HK$13.89M · loan HK$13.89M · min. income ≈ HK$134,608/mo (50% DSR)
Upfront cash ≈ HK$15.07M (deposit + AVD stamp duty HK$1,180,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,456
−HK$3,807/mo
▼ 0.25% · 3.875%
HK$72,346
−HK$1,917/mo
Today · 4.125%
HK$74,263
baseline
▲ 0.50% · 4.625%
HK$78,177
+HK$3,914/mo
Deposit HK$13.89M · loan HK$13.89M · min. income ≈ HK$148,526/mo (50% DSR)
Upfront cash ≈ HK$15.07M (deposit + AVD stamp duty HK$1,180,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,999
−HK$4,765/mo
▼ 0.25% · 3.875%
HK$78,363
−HK$2,401/mo
Today · 4.125%
HK$80,764
baseline
▲ 0.50% · 4.625%
HK$85,679
+HK$4,915/mo
Deposit HK$11.11M · loan HK$16.66M · min. income ≈ HK$161,528/mo (50% DSR)
Upfront cash ≈ HK$12.29M (deposit + AVD stamp duty HK$1,180,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,548
−HK$4,568/mo
▼ 0.25% · 3.875%
HK$86,815
−HK$2,301/mo
Today · 4.125%
HK$89,116
baseline
▲ 0.50% · 4.625%
HK$93,813
+HK$4,697/mo
Deposit HK$11.11M · loan HK$16.66M · min. income ≈ HK$178,232/mo (50% DSR)
Upfront cash ≈ HK$12.29M (deposit + AVD stamp duty HK$1,180,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,665
−HK$5,560/mo
▼ 0.25% · 3.875%
HK$91,423
−HK$2,802/mo
Today · 4.125%
HK$94,225
baseline
▲ 0.50% · 4.625%
HK$99,959
+HK$5,734/mo
Deposit HK$8.33M · loan HK$19.44M · min. income ≈ HK$188,450/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$1,180,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,639
−HK$5,329/mo
▼ 0.25% · 3.875%
HK$101,284
−HK$2,684/mo
Today · 4.125%
HK$103,968
baseline
▲ 0.50% · 4.625%
HK$109,448
+HK$5,480/mo
Deposit HK$8.33M · loan HK$19.44M · min. income ≈ HK$207,936/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$1,180,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,998
−HK$7,149/mo
▼ 0.25% · 3.875%
HK$117,544
−HK$3,603/mo
Today · 4.125%
HK$121,147
baseline
▲ 0.50% · 4.625%
HK$128,518
+HK$7,371/mo
Deposit HK$2.78M · loan HK$25.00M · min. income ≈ HK$242,294/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$1,180,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,822
−HK$6,851/mo
▼ 0.25% · 3.875%
HK$130,223
−HK$3,450/mo
Today · 4.125%
HK$133,673
baseline
▲ 0.50% · 4.625%
HK$140,719
+HK$7,046/mo
Deposit HK$2.78M · loan HK$25.00M · min. income ≈ HK$267,346/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$1,180,402 · Scale 2, in force from 26 Feb 2026)