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$64,882
−HK$4,068/mo
▼ 0.25% · 3.875%
HK$66,900
−HK$2,050/mo
Today · 4.125%
HK$68,950
baseline
▲ 0.50% · 4.625%
HK$73,146
+HK$4,196/mo
Deposit HK$14.23M · loan HK$14.23M · min. income ≈ HK$137,900/mo (50% DSR)
Upfront cash ≈ HK$15.44M (deposit + AVD stamp duty HK$1,209,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,180
−HK$3,900/mo
▼ 0.25% · 3.875%
HK$74,116
−HK$1,964/mo
Today · 4.125%
HK$76,080
baseline
▲ 0.50% · 4.625%
HK$80,090
+HK$4,010/mo
Deposit HK$14.23M · loan HK$14.23M · min. income ≈ HK$152,160/mo (50% DSR)
Upfront cash ≈ HK$15.44M (deposit + AVD stamp duty HK$1,209,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,858
−HK$4,882/mo
▼ 0.25% · 3.875%
HK$80,280
−HK$2,460/mo
Today · 4.125%
HK$82,740
baseline
▲ 0.50% · 4.625%
HK$87,775
+HK$5,035/mo
Deposit HK$11.38M · loan HK$17.07M · min. income ≈ HK$165,480/mo (50% DSR)
Upfront cash ≈ HK$12.59M (deposit + AVD stamp duty HK$1,209,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,616
−HK$4,680/mo
▼ 0.25% · 3.875%
HK$88,939
−HK$2,357/mo
Today · 4.125%
HK$91,296
baseline
▲ 0.50% · 4.625%
HK$96,108
+HK$4,812/mo
Deposit HK$11.38M · loan HK$17.07M · min. income ≈ HK$182,592/mo (50% DSR)
Upfront cash ≈ HK$12.59M (deposit + AVD stamp duty HK$1,209,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,834
−HK$5,697/mo
▼ 0.25% · 3.875%
HK$93,660
−HK$2,871/mo
Today · 4.125%
HK$96,531
baseline
▲ 0.50% · 4.625%
HK$102,404
+HK$5,873/mo
Deposit HK$8.54M · loan HK$19.92M · min. income ≈ HK$193,062/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$1,209,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,052
−HK$5,460/mo
▼ 0.25% · 3.875%
HK$103,763
−HK$2,749/mo
Today · 4.125%
HK$106,512
baseline
▲ 0.50% · 4.625%
HK$112,126
+HK$5,614/mo
Deposit HK$8.54M · loan HK$19.92M · min. income ≈ HK$213,024/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$1,209,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,787
−HK$7,324/mo
▼ 0.25% · 3.875%
HK$120,420
−HK$3,691/mo
Today · 4.125%
HK$124,111
baseline
▲ 0.50% · 4.625%
HK$131,663
+HK$7,552/mo
Deposit HK$2.85M · loan HK$25.61M · min. income ≈ HK$248,222/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$1,209,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,925
−HK$7,019/mo
▼ 0.25% · 3.875%
HK$133,409
−HK$3,535/mo
Today · 4.125%
HK$136,944
baseline
▲ 0.50% · 4.625%
HK$144,162
+HK$7,218/mo
Deposit HK$2.85M · loan HK$25.61M · min. income ≈ HK$273,888/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$1,209,283 · Scale 2, in force from 26 Feb 2026)