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$65,384
−HK$4,100/mo
▼ 0.25% · 3.875%
HK$67,418
−HK$2,066/mo
Today · 4.125%
HK$69,484
baseline
▲ 0.50% · 4.625%
HK$73,712
+HK$4,228/mo
Deposit HK$14.34M · loan HK$14.34M · min. income ≈ HK$138,968/mo (50% DSR)
Upfront cash ≈ HK$15.56M (deposit + AVD stamp duty HK$1,218,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,739
−HK$3,930/mo
▼ 0.25% · 3.875%
HK$74,690
−HK$1,979/mo
Today · 4.125%
HK$76,669
baseline
▲ 0.50% · 4.625%
HK$80,710
+HK$4,041/mo
Deposit HK$14.34M · loan HK$14.34M · min. income ≈ HK$153,338/mo (50% DSR)
Upfront cash ≈ HK$15.56M (deposit + AVD stamp duty HK$1,218,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,461
−HK$4,920/mo
▼ 0.25% · 3.875%
HK$80,901
−HK$2,480/mo
Today · 4.125%
HK$83,381
baseline
▲ 0.50% · 4.625%
HK$88,455
+HK$5,074/mo
Deposit HK$11.47M · loan HK$17.20M · min. income ≈ HK$166,762/mo (50% DSR)
Upfront cash ≈ HK$12.69M (deposit + AVD stamp duty HK$1,218,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,287
−HK$4,716/mo
▼ 0.25% · 3.875%
HK$89,628
−HK$2,375/mo
Today · 4.125%
HK$92,003
baseline
▲ 0.50% · 4.625%
HK$96,852
+HK$4,849/mo
Deposit HK$11.47M · loan HK$17.20M · min. income ≈ HK$184,006/mo (50% DSR)
Upfront cash ≈ HK$12.69M (deposit + AVD stamp duty HK$1,218,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,538
−HK$5,740/mo
▼ 0.25% · 3.875%
HK$94,385
−HK$2,893/mo
Today · 4.125%
HK$97,278
baseline
▲ 0.50% · 4.625%
HK$103,197
+HK$5,919/mo
Deposit HK$8.60M · loan HK$20.07M · min. income ≈ HK$194,556/mo (50% DSR)
Upfront cash ≈ HK$9.82M (deposit + AVD stamp duty HK$1,218,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,835
−HK$5,501/mo
▼ 0.25% · 3.875%
HK$104,566
−HK$2,770/mo
Today · 4.125%
HK$107,336
baseline
▲ 0.50% · 4.625%
HK$112,994
+HK$5,658/mo
Deposit HK$8.60M · loan HK$20.07M · min. income ≈ HK$214,672/mo (50% DSR)
Upfront cash ≈ HK$9.82M (deposit + AVD stamp duty HK$1,218,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,691
−HK$7,380/mo
▼ 0.25% · 3.875%
HK$121,352
−HK$3,719/mo
Today · 4.125%
HK$125,071
baseline
▲ 0.50% · 4.625%
HK$132,682
+HK$7,611/mo
Deposit HK$2.87M · loan HK$25.81M · min. income ≈ HK$250,142/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$1,218,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,930
−HK$7,074/mo
▼ 0.25% · 3.875%
HK$134,442
−HK$3,562/mo
Today · 4.125%
HK$138,004
baseline
▲ 0.50% · 4.625%
HK$145,278
+HK$7,274/mo
Deposit HK$2.87M · loan HK$25.81M · min. income ≈ HK$276,008/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$1,218,644 · Scale 2, in force from 26 Feb 2026)