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$65,500
−HK$4,108/mo
▼ 0.25% · 3.875%
HK$67,538
−HK$2,070/mo
Today · 4.125%
HK$69,608
baseline
▲ 0.50% · 4.625%
HK$73,843
+HK$4,235/mo
Deposit HK$14.36M · loan HK$14.36M · min. income ≈ HK$139,216/mo (50% DSR)
Upfront cash ≈ HK$15.58M (deposit + AVD stamp duty HK$1,220,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,868
−HK$3,937/mo
▼ 0.25% · 3.875%
HK$74,823
−HK$1,982/mo
Today · 4.125%
HK$76,805
baseline
▲ 0.50% · 4.625%
HK$80,854
+HK$4,049/mo
Deposit HK$14.36M · loan HK$14.36M · min. income ≈ HK$153,610/mo (50% DSR)
Upfront cash ≈ HK$15.58M (deposit + AVD stamp duty HK$1,220,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,600
−HK$4,929/mo
▼ 0.25% · 3.875%
HK$81,045
−HK$2,484/mo
Today · 4.125%
HK$83,529
baseline
▲ 0.50% · 4.625%
HK$88,612
+HK$5,083/mo
Deposit HK$11.49M · loan HK$17.23M · min. income ≈ HK$167,058/mo (50% DSR)
Upfront cash ≈ HK$12.71M (deposit + AVD stamp duty HK$1,220,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,442
−HK$4,724/mo
▼ 0.25% · 3.875%
HK$89,787
−HK$2,379/mo
Today · 4.125%
HK$92,166
baseline
▲ 0.50% · 4.625%
HK$97,024
+HK$4,858/mo
Deposit HK$11.49M · loan HK$17.23M · min. income ≈ HK$184,332/mo (50% DSR)
Upfront cash ≈ HK$12.71M (deposit + AVD stamp duty HK$1,220,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,700
−HK$5,751/mo
▼ 0.25% · 3.875%
HK$94,553
−HK$2,898/mo
Today · 4.125%
HK$97,451
baseline
▲ 0.50% · 4.625%
HK$103,380
+HK$5,929/mo
Deposit HK$8.62M · loan HK$20.11M · min. income ≈ HK$194,902/mo (50% DSR)
Upfront cash ≈ HK$9.84M (deposit + AVD stamp duty HK$1,220,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,016
−HK$5,511/mo
▼ 0.25% · 3.875%
HK$104,752
−HK$2,775/mo
Today · 4.125%
HK$107,527
baseline
▲ 0.50% · 4.625%
HK$113,195
+HK$5,668/mo
Deposit HK$8.62M · loan HK$20.11M · min. income ≈ HK$215,054/mo (50% DSR)
Upfront cash ≈ HK$9.84M (deposit + AVD stamp duty HK$1,220,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,900
−HK$7,394/mo
▼ 0.25% · 3.875%
HK$121,568
−HK$3,726/mo
Today · 4.125%
HK$125,294
baseline
▲ 0.50% · 4.625%
HK$132,917
+HK$7,623/mo
Deposit HK$2.87M · loan HK$25.85M · min. income ≈ HK$250,588/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$1,220,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,163
−HK$7,086/mo
▼ 0.25% · 3.875%
HK$134,681
−HK$3,568/mo
Today · 4.125%
HK$138,249
baseline
▲ 0.50% · 4.625%
HK$145,536
+HK$7,287/mo
Deposit HK$2.87M · loan HK$25.85M · min. income ≈ HK$276,498/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$1,220,809 · Scale 2, in force from 26 Feb 2026)