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$66,312
−HK$4,158/mo
▼ 0.25% · 3.875%
HK$68,374
−HK$2,096/mo
Today · 4.125%
HK$70,470
baseline
▲ 0.50% · 4.625%
HK$74,758
+HK$4,288/mo
Deposit HK$14.54M · loan HK$14.54M · min. income ≈ HK$140,940/mo (50% DSR)
Upfront cash ≈ HK$15.78M (deposit + AVD stamp duty HK$1,235,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,771
−HK$3,986/mo
▼ 0.25% · 3.875%
HK$75,749
−HK$2,008/mo
Today · 4.125%
HK$77,757
baseline
▲ 0.50% · 4.625%
HK$81,855
+HK$4,098/mo
Deposit HK$14.54M · loan HK$14.54M · min. income ≈ HK$155,514/mo (50% DSR)
Upfront cash ≈ HK$15.78M (deposit + AVD stamp duty HK$1,235,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,574
−HK$4,990/mo
▼ 0.25% · 3.875%
HK$82,049
−HK$2,515/mo
Today · 4.125%
HK$84,564
baseline
▲ 0.50% · 4.625%
HK$89,709
+HK$5,145/mo
Deposit HK$11.63M · loan HK$17.45M · min. income ≈ HK$169,128/mo (50% DSR)
Upfront cash ≈ HK$12.87M (deposit + AVD stamp duty HK$1,235,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,525
−HK$4,783/mo
▼ 0.25% · 3.875%
HK$90,899
−HK$2,409/mo
Today · 4.125%
HK$93,308
baseline
▲ 0.50% · 4.625%
HK$98,226
+HK$4,918/mo
Deposit HK$11.63M · loan HK$17.45M · min. income ≈ HK$186,616/mo (50% DSR)
Upfront cash ≈ HK$12.87M (deposit + AVD stamp duty HK$1,235,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,836
−HK$5,822/mo
▼ 0.25% · 3.875%
HK$95,724
−HK$2,934/mo
Today · 4.125%
HK$98,658
baseline
▲ 0.50% · 4.625%
HK$104,661
+HK$6,003/mo
Deposit HK$8.72M · loan HK$20.36M · min. income ≈ HK$197,316/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$1,235,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,279
−HK$5,580/mo
▼ 0.25% · 3.875%
HK$106,049
−HK$2,810/mo
Today · 4.125%
HK$108,859
baseline
▲ 0.50% · 4.625%
HK$114,597
+HK$5,738/mo
Deposit HK$8.72M · loan HK$20.36M · min. income ≈ HK$217,718/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$1,235,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,361
−HK$7,485/mo
▼ 0.25% · 3.875%
HK$123,074
−HK$3,772/mo
Today · 4.125%
HK$126,846
baseline
▲ 0.50% · 4.625%
HK$134,564
+HK$7,718/mo
Deposit HK$2.91M · loan HK$26.17M · min. income ≈ HK$253,692/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$1,235,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,788
−HK$7,174/mo
▼ 0.25% · 3.875%
HK$136,349
−HK$3,613/mo
Today · 4.125%
HK$139,962
baseline
▲ 0.50% · 4.625%
HK$147,339
+HK$7,377/mo
Deposit HK$2.91M · loan HK$26.17M · min. income ≈ HK$279,924/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$1,235,931 · Scale 2, in force from 26 Feb 2026)