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$64,052
−HK$4,017/mo
▼ 0.25% · 3.875%
HK$66,045
−HK$2,024/mo
Today · 4.125%
HK$68,069
baseline
▲ 0.50% · 4.625%
HK$72,211
+HK$4,142/mo
Deposit HK$14.04M · loan HK$14.04M · min. income ≈ HK$136,138/mo (50% DSR)
Upfront cash ≈ HK$15.24M (deposit + AVD stamp duty HK$1,193,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,258
−HK$3,849/mo
▼ 0.25% · 3.875%
HK$73,169
−HK$1,938/mo
Today · 4.125%
HK$75,107
baseline
▲ 0.50% · 4.625%
HK$79,066
+HK$3,959/mo
Deposit HK$14.04M · loan HK$14.04M · min. income ≈ HK$150,214/mo (50% DSR)
Upfront cash ≈ HK$15.24M (deposit + AVD stamp duty HK$1,193,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,863
−HK$4,820/mo
▼ 0.25% · 3.875%
HK$79,254
−HK$2,429/mo
Today · 4.125%
HK$81,683
baseline
▲ 0.50% · 4.625%
HK$86,653
+HK$4,970/mo
Deposit HK$11.24M · loan HK$16.85M · min. income ≈ HK$163,366/mo (50% DSR)
Upfront cash ≈ HK$12.43M (deposit + AVD stamp duty HK$1,193,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,509
−HK$4,620/mo
▼ 0.25% · 3.875%
HK$87,802
−HK$2,327/mo
Today · 4.125%
HK$90,129
baseline
▲ 0.50% · 4.625%
HK$94,880
+HK$4,751/mo
Deposit HK$11.24M · loan HK$16.85M · min. income ≈ HK$180,258/mo (50% DSR)
Upfront cash ≈ HK$12.43M (deposit + AVD stamp duty HK$1,193,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,673
−HK$5,623/mo
▼ 0.25% · 3.875%
HK$92,463
−HK$2,833/mo
Today · 4.125%
HK$95,296
baseline
▲ 0.50% · 4.625%
HK$101,095
+HK$5,799/mo
Deposit HK$8.43M · loan HK$19.66M · min. income ≈ HK$190,592/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$1,193,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,761
−HK$5,389/mo
▼ 0.25% · 3.875%
HK$102,436
−HK$2,714/mo
Today · 4.125%
HK$105,150
baseline
▲ 0.50% · 4.625%
HK$110,693
+HK$5,543/mo
Deposit HK$8.43M · loan HK$19.66M · min. income ≈ HK$210,300/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$1,193,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,294
−HK$7,230/mo
▼ 0.25% · 3.875%
HK$118,880
−HK$3,644/mo
Today · 4.125%
HK$122,524
baseline
▲ 0.50% · 4.625%
HK$129,979
+HK$7,455/mo
Deposit HK$2.81M · loan HK$25.28M · min. income ≈ HK$245,048/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$1,193,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,264
−HK$6,929/mo
▼ 0.25% · 3.875%
HK$131,703
−HK$3,490/mo
Today · 4.125%
HK$135,193
baseline
▲ 0.50% · 4.625%
HK$142,319
+HK$7,126/mo
Deposit HK$2.81M · loan HK$25.28M · min. income ≈ HK$270,386/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$1,193,823 · Scale 2, in force from 26 Feb 2026)