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$64,061
−HK$4,017/mo
▼ 0.25% · 3.875%
HK$66,053
−HK$2,025/mo
Today · 4.125%
HK$68,078
baseline
▲ 0.50% · 4.625%
HK$72,220
+HK$4,142/mo
Deposit HK$14.05M · loan HK$14.05M · min. income ≈ HK$136,156/mo (50% DSR)
Upfront cash ≈ HK$15.24M (deposit + AVD stamp duty HK$1,193,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,267
−HK$3,850/mo
▼ 0.25% · 3.875%
HK$73,178
−HK$1,939/mo
Today · 4.125%
HK$75,117
baseline
▲ 0.50% · 4.625%
HK$79,077
+HK$3,960/mo
Deposit HK$14.05M · loan HK$14.05M · min. income ≈ HK$150,234/mo (50% DSR)
Upfront cash ≈ HK$15.24M (deposit + AVD stamp duty HK$1,193,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,873
−HK$4,820/mo
▼ 0.25% · 3.875%
HK$79,264
−HK$2,429/mo
Today · 4.125%
HK$81,693
baseline
▲ 0.50% · 4.625%
HK$86,664
+HK$4,971/mo
Deposit HK$11.24M · loan HK$16.86M · min. income ≈ HK$163,386/mo (50% DSR)
Upfront cash ≈ HK$12.43M (deposit + AVD stamp duty HK$1,193,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,520
−HK$4,620/mo
▼ 0.25% · 3.875%
HK$87,814
−HK$2,326/mo
Today · 4.125%
HK$90,140
baseline
▲ 0.50% · 4.625%
HK$94,892
+HK$4,752/mo
Deposit HK$11.24M · loan HK$16.86M · min. income ≈ HK$180,280/mo (50% DSR)
Upfront cash ≈ HK$12.43M (deposit + AVD stamp duty HK$1,193,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,685
−HK$5,624/mo
▼ 0.25% · 3.875%
HK$92,474
−HK$2,835/mo
Today · 4.125%
HK$95,309
baseline
▲ 0.50% · 4.625%
HK$101,108
+HK$5,799/mo
Deposit HK$8.43M · loan HK$19.67M · min. income ≈ HK$190,618/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$1,193,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,773
−HK$5,391/mo
▼ 0.25% · 3.875%
HK$102,449
−HK$2,715/mo
Today · 4.125%
HK$105,164
baseline
▲ 0.50% · 4.625%
HK$110,707
+HK$5,543/mo
Deposit HK$8.43M · loan HK$19.67M · min. income ≈ HK$210,328/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$1,193,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,309
−HK$7,231/mo
▼ 0.25% · 3.875%
HK$118,896
−HK$3,644/mo
Today · 4.125%
HK$122,540
baseline
▲ 0.50% · 4.625%
HK$129,996
+HK$7,456/mo
Deposit HK$2.81M · loan HK$25.28M · min. income ≈ HK$245,080/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$1,193,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,280
−HK$6,931/mo
▼ 0.25% · 3.875%
HK$131,720
−HK$3,491/mo
Today · 4.125%
HK$135,211
baseline
▲ 0.50% · 4.625%
HK$142,338
+HK$7,127/mo
Deposit HK$2.81M · loan HK$25.28M · min. income ≈ HK$270,422/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$1,193,977 · Scale 2, in force from 26 Feb 2026)