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$65,688
−HK$4,119/mo
▼ 0.25% · 3.875%
HK$67,731
−HK$2,076/mo
Today · 4.125%
HK$69,807
baseline
▲ 0.50% · 4.625%
HK$74,055
+HK$4,248/mo
Deposit HK$14.40M · loan HK$14.40M · min. income ≈ HK$139,614/mo (50% DSR)
Upfront cash ≈ HK$15.63M (deposit + AVD stamp duty HK$1,224,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,077
−HK$3,948/mo
▼ 0.25% · 3.875%
HK$75,037
−HK$1,988/mo
Today · 4.125%
HK$77,025
baseline
▲ 0.50% · 4.625%
HK$81,085
+HK$4,060/mo
Deposit HK$14.40M · loan HK$14.40M · min. income ≈ HK$154,050/mo (50% DSR)
Upfront cash ≈ HK$15.63M (deposit + AVD stamp duty HK$1,224,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,825
−HK$4,943/mo
▼ 0.25% · 3.875%
HK$81,277
−HK$2,491/mo
Today · 4.125%
HK$83,768
baseline
▲ 0.50% · 4.625%
HK$88,865
+HK$5,097/mo
Deposit HK$11.52M · loan HK$17.28M · min. income ≈ HK$167,536/mo (50% DSR)
Upfront cash ≈ HK$12.75M (deposit + AVD stamp duty HK$1,224,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,692
−HK$4,738/mo
▼ 0.25% · 3.875%
HK$90,044
−HK$2,386/mo
Today · 4.125%
HK$92,430
baseline
▲ 0.50% · 4.625%
HK$97,302
+HK$4,872/mo
Deposit HK$11.52M · loan HK$17.28M · min. income ≈ HK$184,860/mo (50% DSR)
Upfront cash ≈ HK$12.75M (deposit + AVD stamp duty HK$1,224,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,963
−HK$5,767/mo
▼ 0.25% · 3.875%
HK$94,823
−HK$2,907/mo
Today · 4.125%
HK$97,730
baseline
▲ 0.50% · 4.625%
HK$103,676
+HK$5,946/mo
Deposit HK$8.64M · loan HK$20.17M · min. income ≈ HK$195,460/mo (50% DSR)
Upfront cash ≈ HK$9.87M (deposit + AVD stamp duty HK$1,224,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,308
−HK$5,527/mo
▼ 0.25% · 3.875%
HK$105,052
−HK$2,783/mo
Today · 4.125%
HK$107,835
baseline
▲ 0.50% · 4.625%
HK$113,519
+HK$5,684/mo
Deposit HK$8.64M · loan HK$20.17M · min. income ≈ HK$215,670/mo (50% DSR)
Upfront cash ≈ HK$9.87M (deposit + AVD stamp duty HK$1,224,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,238
−HK$7,414/mo
▼ 0.25% · 3.875%
HK$121,916
−HK$3,736/mo
Today · 4.125%
HK$125,652
baseline
▲ 0.50% · 4.625%
HK$133,298
+HK$7,646/mo
Deposit HK$2.88M · loan HK$25.93M · min. income ≈ HK$251,304/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$1,224,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,539
−HK$7,106/mo
▼ 0.25% · 3.875%
HK$135,066
−HK$3,579/mo
Today · 4.125%
HK$138,645
baseline
▲ 0.50% · 4.625%
HK$145,953
+HK$7,308/mo
Deposit HK$2.88M · loan HK$25.93M · min. income ≈ HK$277,290/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$1,224,305 · Scale 2, in force from 26 Feb 2026)