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$64,002
−HK$4,013/mo
▼ 0.25% · 3.875%
HK$65,992
−HK$2,023/mo
Today · 4.125%
HK$68,015
baseline
▲ 0.50% · 4.625%
HK$72,154
+HK$4,139/mo
Deposit HK$14.03M · loan HK$14.03M · min. income ≈ HK$136,030/mo (50% DSR)
Upfront cash ≈ HK$15.23M (deposit + AVD stamp duty HK$1,192,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,201
−HK$3,847/mo
▼ 0.25% · 3.875%
HK$73,111
−HK$1,937/mo
Today · 4.125%
HK$75,048
baseline
▲ 0.50% · 4.625%
HK$79,004
+HK$3,956/mo
Deposit HK$14.03M · loan HK$14.03M · min. income ≈ HK$150,096/mo (50% DSR)
Upfront cash ≈ HK$15.23M (deposit + AVD stamp duty HK$1,192,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,802
−HK$4,816/mo
▼ 0.25% · 3.875%
HK$79,191
−HK$2,427/mo
Today · 4.125%
HK$81,618
baseline
▲ 0.50% · 4.625%
HK$86,584
+HK$4,966/mo
Deposit HK$11.23M · loan HK$16.84M · min. income ≈ HK$163,236/mo (50% DSR)
Upfront cash ≈ HK$12.42M (deposit + AVD stamp duty HK$1,192,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,441
−HK$4,617/mo
▼ 0.25% · 3.875%
HK$87,733
−HK$2,325/mo
Today · 4.125%
HK$90,058
baseline
▲ 0.50% · 4.625%
HK$94,805
+HK$4,747/mo
Deposit HK$11.23M · loan HK$16.84M · min. income ≈ HK$180,116/mo (50% DSR)
Upfront cash ≈ HK$12.42M (deposit + AVD stamp duty HK$1,192,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,602
−HK$5,619/mo
▼ 0.25% · 3.875%
HK$92,389
−HK$2,832/mo
Today · 4.125%
HK$95,221
baseline
▲ 0.50% · 4.625%
HK$101,015
+HK$5,794/mo
Deposit HK$8.42M · loan HK$19.65M · min. income ≈ HK$190,442/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$1,192,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,682
−HK$5,385/mo
▼ 0.25% · 3.875%
HK$102,355
−HK$2,712/mo
Today · 4.125%
HK$105,067
baseline
▲ 0.50% · 4.625%
HK$110,605
+HK$5,538/mo
Deposit HK$8.42M · loan HK$19.65M · min. income ≈ HK$210,134/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$1,192,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,203
−HK$7,224/mo
▼ 0.25% · 3.875%
HK$118,786
−HK$3,641/mo
Today · 4.125%
HK$122,427
baseline
▲ 0.50% · 4.625%
HK$129,877
+HK$7,450/mo
Deposit HK$2.81M · loan HK$25.26M · min. income ≈ HK$244,854/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$1,192,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,162
−HK$6,924/mo
▼ 0.25% · 3.875%
HK$131,599
−HK$3,487/mo
Today · 4.125%
HK$135,086
baseline
▲ 0.50% · 4.625%
HK$142,207
+HK$7,121/mo
Deposit HK$2.81M · loan HK$25.26M · min. income ≈ HK$270,172/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$1,192,879 · Scale 2, in force from 26 Feb 2026)