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$65,094
−HK$4,082/mo
▼ 0.25% · 3.875%
HK$67,119
−HK$2,057/mo
Today · 4.125%
HK$69,176
baseline
▲ 0.50% · 4.625%
HK$73,385
+HK$4,209/mo
Deposit HK$14.27M · loan HK$14.27M · min. income ≈ HK$138,352/mo (50% DSR)
Upfront cash ≈ HK$15.49M (deposit + AVD stamp duty HK$1,213,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,416
−HK$3,913/mo
▼ 0.25% · 3.875%
HK$74,358
−HK$1,971/mo
Today · 4.125%
HK$76,329
baseline
▲ 0.50% · 4.625%
HK$80,352
+HK$4,023/mo
Deposit HK$14.27M · loan HK$14.27M · min. income ≈ HK$152,658/mo (50% DSR)
Upfront cash ≈ HK$15.49M (deposit + AVD stamp duty HK$1,213,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,113
−HK$4,898/mo
▼ 0.25% · 3.875%
HK$80,542
−HK$2,469/mo
Today · 4.125%
HK$83,011
baseline
▲ 0.50% · 4.625%
HK$88,062
+HK$5,051/mo
Deposit HK$11.42M · loan HK$17.13M · min. income ≈ HK$166,022/mo (50% DSR)
Upfront cash ≈ HK$12.63M (deposit + AVD stamp duty HK$1,213,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,899
−HK$4,695/mo
▼ 0.25% · 3.875%
HK$89,230
−HK$2,364/mo
Today · 4.125%
HK$91,594
baseline
▲ 0.50% · 4.625%
HK$96,422
+HK$4,828/mo
Deposit HK$11.42M · loan HK$17.13M · min. income ≈ HK$183,188/mo (50% DSR)
Upfront cash ≈ HK$12.63M (deposit + AVD stamp duty HK$1,213,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,131
−HK$5,715/mo
▼ 0.25% · 3.875%
HK$93,966
−HK$2,880/mo
Today · 4.125%
HK$96,846
baseline
▲ 0.50% · 4.625%
HK$102,739
+HK$5,893/mo
Deposit HK$8.56M · loan HK$19.98M · min. income ≈ HK$193,692/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$1,213,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,383
−HK$5,477/mo
▼ 0.25% · 3.875%
HK$104,102
−HK$2,758/mo
Today · 4.125%
HK$106,860
baseline
▲ 0.50% · 4.625%
HK$112,493
+HK$5,633/mo
Deposit HK$8.56M · loan HK$19.98M · min. income ≈ HK$213,720/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$1,213,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,169
−HK$7,347/mo
▼ 0.25% · 3.875%
HK$120,813
−HK$3,703/mo
Today · 4.125%
HK$124,516
baseline
▲ 0.50% · 4.625%
HK$132,093
+HK$7,577/mo
Deposit HK$2.85M · loan HK$25.69M · min. income ≈ HK$249,032/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$1,213,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,349
−HK$7,043/mo
▼ 0.25% · 3.875%
HK$133,845
−HK$3,547/mo
Today · 4.125%
HK$137,392
baseline
▲ 0.50% · 4.625%
HK$144,634
+HK$7,242/mo
Deposit HK$2.85M · loan HK$25.69M · min. income ≈ HK$274,784/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$1,213,235 · Scale 2, in force from 26 Feb 2026)