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$65,621
−HK$4,116/mo
▼ 0.25% · 3.875%
HK$67,663
−HK$2,074/mo
Today · 4.125%
HK$69,737
baseline
▲ 0.50% · 4.625%
HK$73,980
+HK$4,243/mo
Deposit HK$14.39M · loan HK$14.39M · min. income ≈ HK$139,474/mo (50% DSR)
Upfront cash ≈ HK$15.61M (deposit + AVD stamp duty HK$1,223,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,003
−HK$3,944/mo
▼ 0.25% · 3.875%
HK$74,961
−HK$1,986/mo
Today · 4.125%
HK$76,947
baseline
▲ 0.50% · 4.625%
HK$81,003
+HK$4,056/mo
Deposit HK$14.39M · loan HK$14.39M · min. income ≈ HK$153,894/mo (50% DSR)
Upfront cash ≈ HK$15.61M (deposit + AVD stamp duty HK$1,223,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,746
−HK$4,938/mo
▼ 0.25% · 3.875%
HK$81,195
−HK$2,489/mo
Today · 4.125%
HK$83,684
baseline
▲ 0.50% · 4.625%
HK$88,776
+HK$5,092/mo
Deposit HK$11.51M · loan HK$17.27M · min. income ≈ HK$167,368/mo (50% DSR)
Upfront cash ≈ HK$12.73M (deposit + AVD stamp duty HK$1,223,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,604
−HK$4,733/mo
▼ 0.25% · 3.875%
HK$89,953
−HK$2,384/mo
Today · 4.125%
HK$92,337
baseline
▲ 0.50% · 4.625%
HK$97,204
+HK$4,867/mo
Deposit HK$11.51M · loan HK$17.27M · min. income ≈ HK$184,674/mo (50% DSR)
Upfront cash ≈ HK$12.73M (deposit + AVD stamp duty HK$1,223,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,870
−HK$5,761/mo
▼ 0.25% · 3.875%
HK$94,728
−HK$2,903/mo
Today · 4.125%
HK$97,631
baseline
▲ 0.50% · 4.625%
HK$103,572
+HK$5,941/mo
Deposit HK$8.63M · loan HK$20.14M · min. income ≈ HK$195,262/mo (50% DSR)
Upfront cash ≈ HK$9.86M (deposit + AVD stamp duty HK$1,223,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,205
−HK$5,521/mo
▼ 0.25% · 3.875%
HK$104,946
−HK$2,780/mo
Today · 4.125%
HK$107,726
baseline
▲ 0.50% · 4.625%
HK$113,405
+HK$5,679/mo
Deposit HK$8.63M · loan HK$20.14M · min. income ≈ HK$215,452/mo (50% DSR)
Upfront cash ≈ HK$9.86M (deposit + AVD stamp duty HK$1,223,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,119
−HK$7,407/mo
▼ 0.25% · 3.875%
HK$121,793
−HK$3,733/mo
Today · 4.125%
HK$125,526
baseline
▲ 0.50% · 4.625%
HK$133,164
+HK$7,638/mo
Deposit HK$2.88M · loan HK$25.90M · min. income ≈ HK$251,052/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$1,223,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,406
−HK$7,099/mo
▼ 0.25% · 3.875%
HK$134,930
−HK$3,575/mo
Today · 4.125%
HK$138,505
baseline
▲ 0.50% · 4.625%
HK$145,806
+HK$7,301/mo
Deposit HK$2.88M · loan HK$25.90M · min. income ≈ HK$277,010/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$1,223,071 · Scale 2, in force from 26 Feb 2026)