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$64,557
−HK$4,049/mo
▼ 0.25% · 3.875%
HK$66,565
−HK$2,041/mo
Today · 4.125%
HK$68,606
baseline
▲ 0.50% · 4.625%
HK$72,780
+HK$4,174/mo
Deposit HK$14.16M · loan HK$14.16M · min. income ≈ HK$137,212/mo (50% DSR)
Upfront cash ≈ HK$15.36M (deposit + AVD stamp duty HK$1,203,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,819
−HK$3,881/mo
▼ 0.25% · 3.875%
HK$73,746
−HK$1,954/mo
Today · 4.125%
HK$75,700
baseline
▲ 0.50% · 4.625%
HK$79,690
+HK$3,990/mo
Deposit HK$14.16M · loan HK$14.16M · min. income ≈ HK$151,400/mo (50% DSR)
Upfront cash ≈ HK$15.36M (deposit + AVD stamp duty HK$1,203,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,469
−HK$4,858/mo
▼ 0.25% · 3.875%
HK$79,878
−HK$2,449/mo
Today · 4.125%
HK$82,327
baseline
▲ 0.50% · 4.625%
HK$87,336
+HK$5,009/mo
Deposit HK$11.32M · loan HK$16.99M · min. income ≈ HK$164,654/mo (50% DSR)
Upfront cash ≈ HK$12.53M (deposit + AVD stamp duty HK$1,203,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,183
−HK$4,656/mo
▼ 0.25% · 3.875%
HK$88,495
−HK$2,344/mo
Today · 4.125%
HK$90,839
baseline
▲ 0.50% · 4.625%
HK$95,628
+HK$4,789/mo
Deposit HK$11.32M · loan HK$16.99M · min. income ≈ HK$181,678/mo (50% DSR)
Upfront cash ≈ HK$12.53M (deposit + AVD stamp duty HK$1,203,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,380
−HK$5,668/mo
▼ 0.25% · 3.875%
HK$93,192
−HK$2,856/mo
Today · 4.125%
HK$96,048
baseline
▲ 0.50% · 4.625%
HK$101,892
+HK$5,844/mo
Deposit HK$8.49M · loan HK$19.82M · min. income ≈ HK$192,096/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$1,203,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,547
−HK$5,432/mo
▼ 0.25% · 3.875%
HK$103,244
−HK$2,735/mo
Today · 4.125%
HK$105,979
baseline
▲ 0.50% · 4.625%
HK$111,566
+HK$5,587/mo
Deposit HK$8.49M · loan HK$19.82M · min. income ≈ HK$211,958/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$1,203,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,203
−HK$7,287/mo
▼ 0.25% · 3.875%
HK$119,818
−HK$3,672/mo
Today · 4.125%
HK$123,490
baseline
▲ 0.50% · 4.625%
HK$131,004
+HK$7,514/mo
Deposit HK$2.83M · loan HK$25.48M · min. income ≈ HK$246,980/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$1,203,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,275
−HK$6,984/mo
▼ 0.25% · 3.875%
HK$132,742
−HK$3,517/mo
Today · 4.125%
HK$136,259
baseline
▲ 0.50% · 4.625%
HK$143,442
+HK$7,183/mo
Deposit HK$2.83M · loan HK$25.48M · min. income ≈ HK$272,518/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$1,203,236 · Scale 2, in force from 26 Feb 2026)