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$66,248
−HK$4,155/mo
▼ 0.25% · 3.875%
HK$68,309
−HK$2,094/mo
Today · 4.125%
HK$70,403
baseline
▲ 0.50% · 4.625%
HK$74,686
+HK$4,283/mo
Deposit HK$14.53M · loan HK$14.53M · min. income ≈ HK$140,806/mo (50% DSR)
Upfront cash ≈ HK$15.76M (deposit + AVD stamp duty HK$1,234,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,700
−HK$3,982/mo
▼ 0.25% · 3.875%
HK$75,677
−HK$2,005/mo
Today · 4.125%
HK$77,682
baseline
▲ 0.50% · 4.625%
HK$81,777
+HK$4,095/mo
Deposit HK$14.53M · loan HK$14.53M · min. income ≈ HK$155,364/mo (50% DSR)
Upfront cash ≈ HK$15.76M (deposit + AVD stamp duty HK$1,234,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,498
−HK$4,985/mo
▼ 0.25% · 3.875%
HK$81,971
−HK$2,512/mo
Today · 4.125%
HK$84,483
baseline
▲ 0.50% · 4.625%
HK$89,624
+HK$5,141/mo
Deposit HK$11.62M · loan HK$17.43M · min. income ≈ HK$168,966/mo (50% DSR)
Upfront cash ≈ HK$12.86M (deposit + AVD stamp duty HK$1,234,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,441
−HK$4,778/mo
▼ 0.25% · 3.875%
HK$90,813
−HK$2,406/mo
Today · 4.125%
HK$93,219
baseline
▲ 0.50% · 4.625%
HK$98,132
+HK$4,913/mo
Deposit HK$11.62M · loan HK$17.43M · min. income ≈ HK$186,438/mo (50% DSR)
Upfront cash ≈ HK$12.86M (deposit + AVD stamp duty HK$1,234,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,748
−HK$5,816/mo
▼ 0.25% · 3.875%
HK$95,632
−HK$2,932/mo
Today · 4.125%
HK$98,564
baseline
▲ 0.50% · 4.625%
HK$104,561
+HK$5,997/mo
Deposit HK$8.72M · loan HK$20.34M · min. income ≈ HK$197,128/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$1,234,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,181
−HK$5,574/mo
▼ 0.25% · 3.875%
HK$105,948
−HK$2,807/mo
Today · 4.125%
HK$108,755
baseline
▲ 0.50% · 4.625%
HK$114,488
+HK$5,733/mo
Deposit HK$8.72M · loan HK$20.34M · min. income ≈ HK$217,510/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$1,234,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,247
−HK$7,478/mo
▼ 0.25% · 3.875%
HK$122,956
−HK$3,769/mo
Today · 4.125%
HK$126,725
baseline
▲ 0.50% · 4.625%
HK$134,436
+HK$7,711/mo
Deposit HK$2.91M · loan HK$26.15M · min. income ≈ HK$253,450/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$1,234,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,661
−HK$7,167/mo
▼ 0.25% · 3.875%
HK$136,219
−HK$3,609/mo
Today · 4.125%
HK$139,828
baseline
▲ 0.50% · 4.625%
HK$147,199
+HK$7,371/mo
Deposit HK$2.91M · loan HK$26.15M · min. income ≈ HK$279,656/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$1,234,752 · Scale 2, in force from 26 Feb 2026)