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$65,331
−HK$4,097/mo
▼ 0.25% · 3.875%
HK$67,363
−HK$2,065/mo
Today · 4.125%
HK$69,428
baseline
▲ 0.50% · 4.625%
HK$73,653
+HK$4,225/mo
Deposit HK$14.33M · loan HK$14.33M · min. income ≈ HK$138,856/mo (50% DSR)
Upfront cash ≈ HK$15.54M (deposit + AVD stamp duty HK$1,217,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,680
−HK$3,927/mo
▼ 0.25% · 3.875%
HK$74,630
−HK$1,977/mo
Today · 4.125%
HK$76,607
baseline
▲ 0.50% · 4.625%
HK$80,645
+HK$4,038/mo
Deposit HK$14.33M · loan HK$14.33M · min. income ≈ HK$153,214/mo (50% DSR)
Upfront cash ≈ HK$15.54M (deposit + AVD stamp duty HK$1,217,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,397
−HK$4,917/mo
▼ 0.25% · 3.875%
HK$80,836
−HK$2,478/mo
Today · 4.125%
HK$83,314
baseline
▲ 0.50% · 4.625%
HK$88,383
+HK$5,069/mo
Deposit HK$11.46M · loan HK$17.19M · min. income ≈ HK$166,628/mo (50% DSR)
Upfront cash ≈ HK$12.68M (deposit + AVD stamp duty HK$1,217,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,216
−HK$4,712/mo
▼ 0.25% · 3.875%
HK$89,555
−HK$2,373/mo
Today · 4.125%
HK$91,928
baseline
▲ 0.50% · 4.625%
HK$96,774
+HK$4,846/mo
Deposit HK$11.46M · loan HK$17.19M · min. income ≈ HK$183,856/mo (50% DSR)
Upfront cash ≈ HK$12.68M (deposit + AVD stamp duty HK$1,217,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,464
−HK$5,735/mo
▼ 0.25% · 3.875%
HK$94,309
−HK$2,890/mo
Today · 4.125%
HK$97,199
baseline
▲ 0.50% · 4.625%
HK$103,114
+HK$5,915/mo
Deposit HK$8.60M · loan HK$20.06M · min. income ≈ HK$194,398/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$1,217,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,752
−HK$5,498/mo
▼ 0.25% · 3.875%
HK$104,481
−HK$2,769/mo
Today · 4.125%
HK$107,250
baseline
▲ 0.50% · 4.625%
HK$112,903
+HK$5,653/mo
Deposit HK$8.60M · loan HK$20.06M · min. income ≈ HK$214,500/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$1,217,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,596
−HK$7,375/mo
▼ 0.25% · 3.875%
HK$121,254
−HK$3,717/mo
Today · 4.125%
HK$124,971
baseline
▲ 0.50% · 4.625%
HK$132,575
+HK$7,604/mo
Deposit HK$2.87M · loan HK$25.79M · min. income ≈ HK$249,942/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$1,217,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,825
−HK$7,068/mo
▼ 0.25% · 3.875%
HK$134,333
−HK$3,560/mo
Today · 4.125%
HK$137,893
baseline
▲ 0.50% · 4.625%
HK$145,161
+HK$7,268/mo
Deposit HK$2.87M · loan HK$25.79M · min. income ≈ HK$275,786/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$1,217,660 · Scale 2, in force from 26 Feb 2026)