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$64,180
−HK$4,025/mo
▼ 0.25% · 3.875%
HK$66,177
−HK$2,028/mo
Today · 4.125%
HK$68,205
baseline
▲ 0.50% · 4.625%
HK$72,355
+HK$4,150/mo
Deposit HK$14.07M · loan HK$14.07M · min. income ≈ HK$136,410/mo (50% DSR)
Upfront cash ≈ HK$15.27M (deposit + AVD stamp duty HK$1,196,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,400
−HK$3,858/mo
▼ 0.25% · 3.875%
HK$73,315
−HK$1,943/mo
Today · 4.125%
HK$75,258
baseline
▲ 0.50% · 4.625%
HK$79,224
+HK$3,966/mo
Deposit HK$14.07M · loan HK$14.07M · min. income ≈ HK$150,516/mo (50% DSR)
Upfront cash ≈ HK$15.27M (deposit + AVD stamp duty HK$1,196,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,016
−HK$4,830/mo
▼ 0.25% · 3.875%
HK$79,412
−HK$2,434/mo
Today · 4.125%
HK$81,846
baseline
▲ 0.50% · 4.625%
HK$86,826
+HK$4,980/mo
Deposit HK$11.26M · loan HK$16.89M · min. income ≈ HK$163,692/mo (50% DSR)
Upfront cash ≈ HK$12.45M (deposit + AVD stamp duty HK$1,196,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,680
−HK$4,629/mo
▼ 0.25% · 3.875%
HK$87,978
−HK$2,331/mo
Today · 4.125%
HK$90,309
baseline
▲ 0.50% · 4.625%
HK$95,069
+HK$4,760/mo
Deposit HK$11.26M · loan HK$16.89M · min. income ≈ HK$180,618/mo (50% DSR)
Upfront cash ≈ HK$12.45M (deposit + AVD stamp duty HK$1,196,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,852
−HK$5,635/mo
▼ 0.25% · 3.875%
HK$92,647
−HK$2,840/mo
Today · 4.125%
HK$95,487
baseline
▲ 0.50% · 4.625%
HK$101,297
+HK$5,810/mo
Deposit HK$8.44M · loan HK$19.70M · min. income ≈ HK$190,974/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$1,196,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,960
−HK$5,401/mo
▼ 0.25% · 3.875%
HK$102,641
−HK$2,720/mo
Today · 4.125%
HK$105,361
baseline
▲ 0.50% · 4.625%
HK$110,914
+HK$5,553/mo
Deposit HK$8.44M · loan HK$19.70M · min. income ≈ HK$210,722/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$1,196,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,525
−HK$7,244/mo
▼ 0.25% · 3.875%
HK$119,118
−HK$3,651/mo
Today · 4.125%
HK$122,769
baseline
▲ 0.50% · 4.625%
HK$130,239
+HK$7,470/mo
Deposit HK$2.81M · loan HK$25.33M · min. income ≈ HK$245,538/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$1,196,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,520
−HK$6,944/mo
▼ 0.25% · 3.875%
HK$131,967
−HK$3,497/mo
Today · 4.125%
HK$135,464
baseline
▲ 0.50% · 4.625%
HK$142,604
+HK$7,140/mo
Deposit HK$2.81M · loan HK$25.33M · min. income ≈ HK$270,928/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$1,196,210 · Scale 2, in force from 26 Feb 2026)