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$64,170
−HK$4,024/mo
▼ 0.25% · 3.875%
HK$66,166
−HK$2,028/mo
Today · 4.125%
HK$68,194
baseline
▲ 0.50% · 4.625%
HK$72,344
+HK$4,150/mo
Deposit HK$14.07M · loan HK$14.07M · min. income ≈ HK$136,388/mo (50% DSR)
Upfront cash ≈ HK$15.27M (deposit + AVD stamp duty HK$1,196,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,389
−HK$3,857/mo
▼ 0.25% · 3.875%
HK$73,303
−HK$1,943/mo
Today · 4.125%
HK$75,246
baseline
▲ 0.50% · 4.625%
HK$79,212
+HK$3,966/mo
Deposit HK$14.07M · loan HK$14.07M · min. income ≈ HK$150,492/mo (50% DSR)
Upfront cash ≈ HK$15.27M (deposit + AVD stamp duty HK$1,196,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,004
−HK$4,829/mo
▼ 0.25% · 3.875%
HK$79,399
−HK$2,434/mo
Today · 4.125%
HK$81,833
baseline
▲ 0.50% · 4.625%
HK$86,812
+HK$4,979/mo
Deposit HK$11.26M · loan HK$16.88M · min. income ≈ HK$163,666/mo (50% DSR)
Upfront cash ≈ HK$12.45M (deposit + AVD stamp duty HK$1,196,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,666
−HK$4,629/mo
▼ 0.25% · 3.875%
HK$87,964
−HK$2,331/mo
Today · 4.125%
HK$90,295
baseline
▲ 0.50% · 4.625%
HK$95,054
+HK$4,759/mo
Deposit HK$11.26M · loan HK$16.88M · min. income ≈ HK$180,590/mo (50% DSR)
Upfront cash ≈ HK$12.45M (deposit + AVD stamp duty HK$1,196,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,838
−HK$5,634/mo
▼ 0.25% · 3.875%
HK$92,633
−HK$2,839/mo
Today · 4.125%
HK$95,472
baseline
▲ 0.50% · 4.625%
HK$101,281
+HK$5,809/mo
Deposit HK$8.44M · loan HK$19.70M · min. income ≈ HK$190,944/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$1,196,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,944
−HK$5,400/mo
▼ 0.25% · 3.875%
HK$102,624
−HK$2,720/mo
Today · 4.125%
HK$105,344
baseline
▲ 0.50% · 4.625%
HK$110,897
+HK$5,553/mo
Deposit HK$8.44M · loan HK$19.70M · min. income ≈ HK$210,688/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$1,196,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,506
−HK$7,243/mo
▼ 0.25% · 3.875%
HK$119,099
−HK$3,650/mo
Today · 4.125%
HK$122,749
baseline
▲ 0.50% · 4.625%
HK$130,218
+HK$7,469/mo
Deposit HK$2.81M · loan HK$25.33M · min. income ≈ HK$245,498/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$1,196,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,499
−HK$6,943/mo
▼ 0.25% · 3.875%
HK$131,946
−HK$3,496/mo
Today · 4.125%
HK$135,442
baseline
▲ 0.50% · 4.625%
HK$142,581
+HK$7,139/mo
Deposit HK$2.81M · loan HK$25.33M · min. income ≈ HK$270,884/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$1,196,019 · Scale 2, in force from 26 Feb 2026)