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$64,879
−HK$4,069/mo
▼ 0.25% · 3.875%
HK$66,897
−HK$2,051/mo
Today · 4.125%
HK$68,948
baseline
▲ 0.50% · 4.625%
HK$73,143
+HK$4,195/mo
Deposit HK$14.23M · loan HK$14.23M · min. income ≈ HK$137,896/mo (50% DSR)
Upfront cash ≈ HK$15.44M (deposit + AVD stamp duty HK$1,209,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,178
−HK$3,899/mo
▼ 0.25% · 3.875%
HK$74,113
−HK$1,964/mo
Today · 4.125%
HK$76,077
baseline
▲ 0.50% · 4.625%
HK$80,087
+HK$4,010/mo
Deposit HK$14.23M · loan HK$14.23M · min. income ≈ HK$152,154/mo (50% DSR)
Upfront cash ≈ HK$15.44M (deposit + AVD stamp duty HK$1,209,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,855
−HK$4,882/mo
▼ 0.25% · 3.875%
HK$80,277
−HK$2,460/mo
Today · 4.125%
HK$82,737
baseline
▲ 0.50% · 4.625%
HK$87,772
+HK$5,035/mo
Deposit HK$11.38M · loan HK$17.07M · min. income ≈ HK$165,474/mo (50% DSR)
Upfront cash ≈ HK$12.59M (deposit + AVD stamp duty HK$1,209,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,613
−HK$4,679/mo
▼ 0.25% · 3.875%
HK$88,936
−HK$2,356/mo
Today · 4.125%
HK$91,292
baseline
▲ 0.50% · 4.625%
HK$96,105
+HK$4,813/mo
Deposit HK$11.38M · loan HK$17.07M · min. income ≈ HK$182,584/mo (50% DSR)
Upfront cash ≈ HK$12.59M (deposit + AVD stamp duty HK$1,209,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,831
−HK$5,696/mo
▼ 0.25% · 3.875%
HK$93,656
−HK$2,871/mo
Today · 4.125%
HK$96,527
baseline
▲ 0.50% · 4.625%
HK$102,400
+HK$5,873/mo
Deposit HK$8.54M · loan HK$19.92M · min. income ≈ HK$193,054/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$1,209,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,049
−HK$5,459/mo
▼ 0.25% · 3.875%
HK$103,759
−HK$2,749/mo
Today · 4.125%
HK$106,508
baseline
▲ 0.50% · 4.625%
HK$112,122
+HK$5,614/mo
Deposit HK$8.54M · loan HK$19.92M · min. income ≈ HK$213,016/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$1,209,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,783
−HK$7,323/mo
▼ 0.25% · 3.875%
HK$120,415
−HK$3,691/mo
Today · 4.125%
HK$124,106
baseline
▲ 0.50% · 4.625%
HK$131,658
+HK$7,552/mo
Deposit HK$2.85M · loan HK$25.61M · min. income ≈ HK$248,212/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$1,209,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,920
−HK$7,019/mo
▼ 0.25% · 3.875%
HK$133,404
−HK$3,535/mo
Today · 4.125%
HK$136,939
baseline
▲ 0.50% · 4.625%
HK$144,157
+HK$7,218/mo
Deposit HK$2.85M · loan HK$25.61M · min. income ≈ HK$273,878/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$1,209,237 · Scale 2, in force from 26 Feb 2026)