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$65,920
−HK$4,134/mo
▼ 0.25% · 3.875%
HK$67,970
−HK$2,084/mo
Today · 4.125%
HK$70,054
baseline
▲ 0.50% · 4.625%
HK$74,316
+HK$4,262/mo
Deposit HK$14.45M · loan HK$14.45M · min. income ≈ HK$140,108/mo (50% DSR)
Upfront cash ≈ HK$15.68M (deposit + AVD stamp duty HK$1,228,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,335
−HK$3,962/mo
▼ 0.25% · 3.875%
HK$75,302
−HK$1,995/mo
Today · 4.125%
HK$77,297
baseline
▲ 0.50% · 4.625%
HK$81,372
+HK$4,075/mo
Deposit HK$14.45M · loan HK$14.45M · min. income ≈ HK$154,594/mo (50% DSR)
Upfront cash ≈ HK$15.68M (deposit + AVD stamp duty HK$1,228,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,104
−HK$4,961/mo
▼ 0.25% · 3.875%
HK$81,565
−HK$2,500/mo
Today · 4.125%
HK$84,065
baseline
▲ 0.50% · 4.625%
HK$89,180
+HK$5,115/mo
Deposit HK$11.56M · loan HK$17.35M · min. income ≈ HK$168,130/mo (50% DSR)
Upfront cash ≈ HK$12.79M (deposit + AVD stamp duty HK$1,228,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,002
−HK$4,755/mo
▼ 0.25% · 3.875%
HK$90,363
−HK$2,394/mo
Today · 4.125%
HK$92,757
baseline
▲ 0.50% · 4.625%
HK$97,646
+HK$4,889/mo
Deposit HK$11.56M · loan HK$17.35M · min. income ≈ HK$185,514/mo (50% DSR)
Upfront cash ≈ HK$12.79M (deposit + AVD stamp duty HK$1,228,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,288
−HK$5,787/mo
▼ 0.25% · 3.875%
HK$95,159
−HK$2,916/mo
Today · 4.125%
HK$98,075
baseline
▲ 0.50% · 4.625%
HK$104,043
+HK$5,968/mo
Deposit HK$8.67M · loan HK$20.24M · min. income ≈ HK$196,150/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$1,228,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,669
−HK$5,547/mo
▼ 0.25% · 3.875%
HK$105,423
−HK$2,793/mo
Today · 4.125%
HK$108,216
baseline
▲ 0.50% · 4.625%
HK$113,921
+HK$5,705/mo
Deposit HK$8.67M · loan HK$20.24M · min. income ≈ HK$216,432/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$1,228,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,656
−HK$7,441/mo
▼ 0.25% · 3.875%
HK$122,347
−HK$3,750/mo
Today · 4.125%
HK$126,097
baseline
▲ 0.50% · 4.625%
HK$133,769
+HK$7,672/mo
Deposit HK$2.89M · loan HK$26.02M · min. income ≈ HK$252,194/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$1,228,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,004
−HK$7,131/mo
▼ 0.25% · 3.875%
HK$135,544
−HK$3,591/mo
Today · 4.125%
HK$139,135
baseline
▲ 0.50% · 4.625%
HK$146,469
+HK$7,334/mo
Deposit HK$2.89M · loan HK$26.02M · min. income ≈ HK$278,270/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$1,228,634 · Scale 2, in force from 26 Feb 2026)