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$64,224
−HK$4,028/mo
▼ 0.25% · 3.875%
HK$66,222
−HK$2,030/mo
Today · 4.125%
HK$68,252
baseline
▲ 0.50% · 4.625%
HK$72,405
+HK$4,153/mo
Deposit HK$14.08M · loan HK$14.08M · min. income ≈ HK$136,504/mo (50% DSR)
Upfront cash ≈ HK$15.28M (deposit + AVD stamp duty HK$1,197,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,449
−HK$3,860/mo
▼ 0.25% · 3.875%
HK$73,365
−HK$1,944/mo
Today · 4.125%
HK$75,309
baseline
▲ 0.50% · 4.625%
HK$79,279
+HK$3,970/mo
Deposit HK$14.08M · loan HK$14.08M · min. income ≈ HK$150,618/mo (50% DSR)
Upfront cash ≈ HK$15.28M (deposit + AVD stamp duty HK$1,197,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,069
−HK$4,833/mo
▼ 0.25% · 3.875%
HK$79,467
−HK$2,435/mo
Today · 4.125%
HK$81,902
baseline
▲ 0.50% · 4.625%
HK$86,886
+HK$4,984/mo
Deposit HK$11.27M · loan HK$16.90M · min. income ≈ HK$163,804/mo (50% DSR)
Upfront cash ≈ HK$12.46M (deposit + AVD stamp duty HK$1,197,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,739
−HK$4,632/mo
▼ 0.25% · 3.875%
HK$88,038
−HK$2,333/mo
Today · 4.125%
HK$90,371
baseline
▲ 0.50% · 4.625%
HK$95,135
+HK$4,764/mo
Deposit HK$11.27M · loan HK$16.90M · min. income ≈ HK$180,742/mo (50% DSR)
Upfront cash ≈ HK$12.46M (deposit + AVD stamp duty HK$1,197,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,914
−HK$5,639/mo
▼ 0.25% · 3.875%
HK$92,711
−HK$2,842/mo
Today · 4.125%
HK$95,553
baseline
▲ 0.50% · 4.625%
HK$101,367
+HK$5,814/mo
Deposit HK$8.45M · loan HK$19.72M · min. income ≈ HK$191,106/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$1,197,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,029
−HK$5,404/mo
▼ 0.25% · 3.875%
HK$102,711
−HK$2,722/mo
Today · 4.125%
HK$105,433
baseline
▲ 0.50% · 4.625%
HK$110,990
+HK$5,557/mo
Deposit HK$8.45M · loan HK$19.72M · min. income ≈ HK$210,866/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$1,197,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,604
−HK$7,249/mo
▼ 0.25% · 3.875%
HK$119,200
−HK$3,653/mo
Today · 4.125%
HK$122,853
baseline
▲ 0.50% · 4.625%
HK$130,329
+HK$7,476/mo
Deposit HK$2.82M · loan HK$25.35M · min. income ≈ HK$245,706/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$1,197,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,608
−HK$6,949/mo
▼ 0.25% · 3.875%
HK$132,058
−HK$3,499/mo
Today · 4.125%
HK$135,557
baseline
▲ 0.50% · 4.625%
HK$142,702
+HK$7,145/mo
Deposit HK$2.82M · loan HK$25.35M · min. income ≈ HK$271,114/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$1,197,033 · Scale 2, in force from 26 Feb 2026)