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$63,788
−HK$4,000/mo
▼ 0.25% · 3.875%
HK$65,772
−HK$2,016/mo
Today · 4.125%
HK$67,788
baseline
▲ 0.50% · 4.625%
HK$71,912
+HK$4,124/mo
Deposit HK$13.99M · loan HK$13.99M · min. income ≈ HK$135,576/mo (50% DSR)
Upfront cash ≈ HK$15.18M (deposit + AVD stamp duty HK$1,188,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,963
−HK$3,834/mo
▼ 0.25% · 3.875%
HK$72,866
−HK$1,931/mo
Today · 4.125%
HK$74,797
baseline
▲ 0.50% · 4.625%
HK$78,740
+HK$3,943/mo
Deposit HK$13.99M · loan HK$13.99M · min. income ≈ HK$149,594/mo (50% DSR)
Upfront cash ≈ HK$15.18M (deposit + AVD stamp duty HK$1,188,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,545
−HK$4,800/mo
▼ 0.25% · 3.875%
HK$78,926
−HK$2,419/mo
Today · 4.125%
HK$81,345
baseline
▲ 0.50% · 4.625%
HK$86,295
+HK$4,950/mo
Deposit HK$11.19M · loan HK$16.78M · min. income ≈ HK$162,690/mo (50% DSR)
Upfront cash ≈ HK$12.38M (deposit + AVD stamp duty HK$1,188,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,156
−HK$4,600/mo
▼ 0.25% · 3.875%
HK$87,439
−HK$2,317/mo
Today · 4.125%
HK$89,756
baseline
▲ 0.50% · 4.625%
HK$94,487
+HK$4,731/mo
Deposit HK$11.19M · loan HK$16.78M · min. income ≈ HK$179,512/mo (50% DSR)
Upfront cash ≈ HK$12.38M (deposit + AVD stamp duty HK$1,188,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,303
−HK$5,600/mo
▼ 0.25% · 3.875%
HK$92,080
−HK$2,823/mo
Today · 4.125%
HK$94,903
baseline
▲ 0.50% · 4.625%
HK$100,677
+HK$5,774/mo
Deposit HK$8.39M · loan HK$19.58M · min. income ≈ HK$189,806/mo (50% DSR)
Upfront cash ≈ HK$9.58M (deposit + AVD stamp duty HK$1,188,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,348
−HK$5,368/mo
▼ 0.25% · 3.875%
HK$102,013
−HK$2,703/mo
Today · 4.125%
HK$104,716
baseline
▲ 0.50% · 4.625%
HK$110,235
+HK$5,519/mo
Deposit HK$8.39M · loan HK$19.58M · min. income ≈ HK$209,432/mo (50% DSR)
Upfront cash ≈ HK$9.58M (deposit + AVD stamp duty HK$1,188,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,818
−HK$7,200/mo
▼ 0.25% · 3.875%
HK$118,389
−HK$3,629/mo
Today · 4.125%
HK$122,018
baseline
▲ 0.50% · 4.625%
HK$129,442
+HK$7,424/mo
Deposit HK$2.80M · loan HK$25.18M · min. income ≈ HK$244,036/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$1,188,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,733
−HK$6,901/mo
▼ 0.25% · 3.875%
HK$131,159
−HK$3,475/mo
Today · 4.125%
HK$134,634
baseline
▲ 0.50% · 4.625%
HK$141,731
+HK$7,097/mo
Deposit HK$2.80M · loan HK$25.18M · min. income ≈ HK$269,268/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$1,188,889 · Scale 2, in force from 26 Feb 2026)