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$64,121
−HK$4,021/mo
▼ 0.25% · 3.875%
HK$66,116
−HK$2,026/mo
Today · 4.125%
HK$68,142
baseline
▲ 0.50% · 4.625%
HK$72,289
+HK$4,147/mo
Deposit HK$14.06M · loan HK$14.06M · min. income ≈ HK$136,284/mo (50% DSR)
Upfront cash ≈ HK$15.26M (deposit + AVD stamp duty HK$1,195,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,334
−HK$3,854/mo
▼ 0.25% · 3.875%
HK$73,247
−HK$1,941/mo
Today · 4.125%
HK$75,188
baseline
▲ 0.50% · 4.625%
HK$79,152
+HK$3,964/mo
Deposit HK$14.06M · loan HK$14.06M · min. income ≈ HK$150,376/mo (50% DSR)
Upfront cash ≈ HK$15.26M (deposit + AVD stamp duty HK$1,195,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,946
−HK$4,825/mo
▼ 0.25% · 3.875%
HK$79,339
−HK$2,432/mo
Today · 4.125%
HK$81,771
baseline
▲ 0.50% · 4.625%
HK$86,746
+HK$4,975/mo
Deposit HK$11.25M · loan HK$16.87M · min. income ≈ HK$163,542/mo (50% DSR)
Upfront cash ≈ HK$12.44M (deposit + AVD stamp duty HK$1,195,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,601
−HK$4,625/mo
▼ 0.25% · 3.875%
HK$87,897
−HK$2,329/mo
Today · 4.125%
HK$90,226
baseline
▲ 0.50% · 4.625%
HK$94,982
+HK$4,756/mo
Deposit HK$11.25M · loan HK$16.87M · min. income ≈ HK$180,452/mo (50% DSR)
Upfront cash ≈ HK$12.44M (deposit + AVD stamp duty HK$1,195,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,770
−HK$5,629/mo
▼ 0.25% · 3.875%
HK$92,562
−HK$2,837/mo
Today · 4.125%
HK$95,399
baseline
▲ 0.50% · 4.625%
HK$101,204
+HK$5,805/mo
Deposit HK$8.44M · loan HK$19.68M · min. income ≈ HK$190,798/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$1,195,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,868
−HK$5,396/mo
▼ 0.25% · 3.875%
HK$102,546
−HK$2,718/mo
Today · 4.125%
HK$105,264
baseline
▲ 0.50% · 4.625%
HK$110,812
+HK$5,548/mo
Deposit HK$8.44M · loan HK$19.68M · min. income ≈ HK$210,528/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$1,195,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,418
−HK$7,238/mo
▼ 0.25% · 3.875%
HK$119,009
−HK$3,647/mo
Today · 4.125%
HK$122,656
baseline
▲ 0.50% · 4.625%
HK$130,119
+HK$7,463/mo
Deposit HK$2.81M · loan HK$25.31M · min. income ≈ HK$245,312/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$1,195,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,402
−HK$6,937/mo
▼ 0.25% · 3.875%
HK$131,845
−HK$3,494/mo
Today · 4.125%
HK$135,339
baseline
▲ 0.50% · 4.625%
HK$142,473
+HK$7,134/mo
Deposit HK$2.81M · loan HK$25.31M · min. income ≈ HK$270,678/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$1,195,110 · Scale 2, in force from 26 Feb 2026)