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$63,783
−HK$4,000/mo
▼ 0.25% · 3.875%
HK$65,767
−HK$2,016/mo
Today · 4.125%
HK$67,783
baseline
▲ 0.50% · 4.625%
HK$71,907
+HK$4,124/mo
Deposit HK$13.99M · loan HK$13.99M · min. income ≈ HK$135,566/mo (50% DSR)
Upfront cash ≈ HK$15.17M (deposit + AVD stamp duty HK$1,188,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,958
−HK$3,834/mo
▼ 0.25% · 3.875%
HK$72,861
−HK$1,931/mo
Today · 4.125%
HK$74,792
baseline
▲ 0.50% · 4.625%
HK$78,734
+HK$3,942/mo
Deposit HK$13.99M · loan HK$13.99M · min. income ≈ HK$149,584/mo (50% DSR)
Upfront cash ≈ HK$15.17M (deposit + AVD stamp duty HK$1,188,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,540
−HK$4,799/mo
▼ 0.25% · 3.875%
HK$78,921
−HK$2,418/mo
Today · 4.125%
HK$81,339
baseline
▲ 0.50% · 4.625%
HK$86,289
+HK$4,950/mo
Deposit HK$11.19M · loan HK$16.78M · min. income ≈ HK$162,678/mo (50% DSR)
Upfront cash ≈ HK$12.38M (deposit + AVD stamp duty HK$1,188,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,150
−HK$4,600/mo
▼ 0.25% · 3.875%
HK$87,433
−HK$2,317/mo
Today · 4.125%
HK$89,750
baseline
▲ 0.50% · 4.625%
HK$94,481
+HK$4,731/mo
Deposit HK$11.19M · loan HK$16.78M · min. income ≈ HK$179,500/mo (50% DSR)
Upfront cash ≈ HK$12.38M (deposit + AVD stamp duty HK$1,188,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,296
−HK$5,600/mo
▼ 0.25% · 3.875%
HK$92,074
−HK$2,822/mo
Today · 4.125%
HK$94,896
baseline
▲ 0.50% · 4.625%
HK$100,670
+HK$5,774/mo
Deposit HK$8.39M · loan HK$19.58M · min. income ≈ HK$189,792/mo (50% DSR)
Upfront cash ≈ HK$9.58M (deposit + AVD stamp duty HK$1,188,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,341
−HK$5,367/mo
▼ 0.25% · 3.875%
HK$102,006
−HK$2,702/mo
Today · 4.125%
HK$104,708
baseline
▲ 0.50% · 4.625%
HK$110,228
+HK$5,520/mo
Deposit HK$8.39M · loan HK$19.58M · min. income ≈ HK$209,416/mo (50% DSR)
Upfront cash ≈ HK$9.58M (deposit + AVD stamp duty HK$1,188,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,810
−HK$7,199/mo
▼ 0.25% · 3.875%
HK$118,381
−HK$3,628/mo
Today · 4.125%
HK$122,009
baseline
▲ 0.50% · 4.625%
HK$129,433
+HK$7,424/mo
Deposit HK$2.80M · loan HK$25.17M · min. income ≈ HK$244,018/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$1,188,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,725
−HK$6,900/mo
▼ 0.25% · 3.875%
HK$131,150
−HK$3,475/mo
Today · 4.125%
HK$134,625
baseline
▲ 0.50% · 4.625%
HK$141,721
+HK$7,096/mo
Deposit HK$2.80M · loan HK$25.17M · min. income ≈ HK$269,250/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$1,188,807 · Scale 2, in force from 26 Feb 2026)