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$65,131
−HK$4,084/mo
▼ 0.25% · 3.875%
HK$67,157
−HK$2,058/mo
Today · 4.125%
HK$69,215
baseline
▲ 0.50% · 4.625%
HK$73,427
+HK$4,212/mo
Deposit HK$14.28M · loan HK$14.28M · min. income ≈ HK$138,430/mo (50% DSR)
Upfront cash ≈ HK$15.50M (deposit + AVD stamp duty HK$1,213,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,458
−HK$3,914/mo
▼ 0.25% · 3.875%
HK$74,401
−HK$1,971/mo
Today · 4.125%
HK$76,372
baseline
▲ 0.50% · 4.625%
HK$80,398
+HK$4,026/mo
Deposit HK$14.28M · loan HK$14.28M · min. income ≈ HK$152,744/mo (50% DSR)
Upfront cash ≈ HK$15.50M (deposit + AVD stamp duty HK$1,213,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,157
−HK$4,902/mo
▼ 0.25% · 3.875%
HK$80,589
−HK$2,470/mo
Today · 4.125%
HK$83,059
baseline
▲ 0.50% · 4.625%
HK$88,112
+HK$5,053/mo
Deposit HK$11.43M · loan HK$17.14M · min. income ≈ HK$166,118/mo (50% DSR)
Upfront cash ≈ HK$12.64M (deposit + AVD stamp duty HK$1,213,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,949
−HK$4,698/mo
▼ 0.25% · 3.875%
HK$89,281
−HK$2,366/mo
Today · 4.125%
HK$91,647
baseline
▲ 0.50% · 4.625%
HK$96,478
+HK$4,831/mo
Deposit HK$11.43M · loan HK$17.14M · min. income ≈ HK$183,294/mo (50% DSR)
Upfront cash ≈ HK$12.64M (deposit + AVD stamp duty HK$1,213,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,184
−HK$5,718/mo
▼ 0.25% · 3.875%
HK$94,020
−HK$2,882/mo
Today · 4.125%
HK$96,902
baseline
▲ 0.50% · 4.625%
HK$102,798
+HK$5,896/mo
Deposit HK$8.57M · loan HK$19.99M · min. income ≈ HK$193,804/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$1,213,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,441
−HK$5,480/mo
▼ 0.25% · 3.875%
HK$104,161
−HK$2,760/mo
Today · 4.125%
HK$106,921
baseline
▲ 0.50% · 4.625%
HK$112,557
+HK$5,636/mo
Deposit HK$8.57M · loan HK$19.99M · min. income ≈ HK$213,842/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$1,213,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,236
−HK$7,352/mo
▼ 0.25% · 3.875%
HK$120,883
−HK$3,705/mo
Today · 4.125%
HK$124,588
baseline
▲ 0.50% · 4.625%
HK$132,169
+HK$7,581/mo
Deposit HK$2.86M · loan HK$25.71M · min. income ≈ HK$249,176/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$1,213,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,424
−HK$7,046/mo
▼ 0.25% · 3.875%
HK$133,922
−HK$3,548/mo
Today · 4.125%
HK$137,470
baseline
▲ 0.50% · 4.625%
HK$144,717
+HK$7,247/mo
Deposit HK$2.86M · loan HK$25.71M · min. income ≈ HK$274,940/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$1,213,931 · Scale 2, in force from 26 Feb 2026)