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$64,588
−HK$4,051/mo
▼ 0.25% · 3.875%
HK$66,597
−HK$2,042/mo
Today · 4.125%
HK$68,639
baseline
▲ 0.50% · 4.625%
HK$72,815
+HK$4,176/mo
Deposit HK$14.16M · loan HK$14.16M · min. income ≈ HK$137,278/mo (50% DSR)
Upfront cash ≈ HK$15.37M (deposit + AVD stamp duty HK$1,203,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,854
−HK$3,882/mo
▼ 0.25% · 3.875%
HK$73,781
−HK$1,955/mo
Today · 4.125%
HK$75,736
baseline
▲ 0.50% · 4.625%
HK$79,728
+HK$3,992/mo
Deposit HK$14.16M · loan HK$14.16M · min. income ≈ HK$151,472/mo (50% DSR)
Upfront cash ≈ HK$15.37M (deposit + AVD stamp duty HK$1,203,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,506
−HK$4,860/mo
▼ 0.25% · 3.875%
HK$79,917
−HK$2,449/mo
Today · 4.125%
HK$82,366
baseline
▲ 0.50% · 4.625%
HK$87,378
+HK$5,012/mo
Deposit HK$11.33M · loan HK$17.00M · min. income ≈ HK$164,732/mo (50% DSR)
Upfront cash ≈ HK$12.53M (deposit + AVD stamp duty HK$1,203,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,225
−HK$4,658/mo
▼ 0.25% · 3.875%
HK$88,537
−HK$2,346/mo
Today · 4.125%
HK$90,883
baseline
▲ 0.50% · 4.625%
HK$95,674
+HK$4,791/mo
Deposit HK$11.33M · loan HK$17.00M · min. income ≈ HK$181,766/mo (50% DSR)
Upfront cash ≈ HK$12.53M (deposit + AVD stamp duty HK$1,203,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,424
−HK$5,670/mo
▼ 0.25% · 3.875%
HK$93,236
−HK$2,858/mo
Today · 4.125%
HK$96,094
baseline
▲ 0.50% · 4.625%
HK$101,941
+HK$5,847/mo
Deposit HK$8.50M · loan HK$19.83M · min. income ≈ HK$192,188/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$1,203,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,595
−HK$5,435/mo
▼ 0.25% · 3.875%
HK$103,293
−HK$2,737/mo
Today · 4.125%
HK$106,030
baseline
▲ 0.50% · 4.625%
HK$111,619
+HK$5,589/mo
Deposit HK$8.50M · loan HK$19.83M · min. income ≈ HK$212,060/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$1,203,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,259
−HK$7,290/mo
▼ 0.25% · 3.875%
HK$119,875
−HK$3,674/mo
Today · 4.125%
HK$123,549
baseline
▲ 0.50% · 4.625%
HK$131,067
+HK$7,518/mo
Deposit HK$2.83M · loan HK$25.49M · min. income ≈ HK$247,098/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$1,203,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,337
−HK$6,988/mo
▼ 0.25% · 3.875%
HK$132,806
−HK$3,519/mo
Today · 4.125%
HK$136,325
baseline
▲ 0.50% · 4.625%
HK$143,510
+HK$7,185/mo
Deposit HK$2.83M · loan HK$25.49M · min. income ≈ HK$272,650/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$1,203,814 · Scale 2, in force from 26 Feb 2026)