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$64,569
−HK$4,049/mo
▼ 0.25% · 3.875%
HK$66,578
−HK$2,040/mo
Today · 4.125%
HK$68,618
baseline
▲ 0.50% · 4.625%
HK$72,793
+HK$4,175/mo
Deposit HK$14.16M · loan HK$14.16M · min. income ≈ HK$137,236/mo (50% DSR)
Upfront cash ≈ HK$15.36M (deposit + AVD stamp duty HK$1,203,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,833
−HK$3,880/mo
▼ 0.25% · 3.875%
HK$73,759
−HK$1,954/mo
Today · 4.125%
HK$75,713
baseline
▲ 0.50% · 4.625%
HK$79,704
+HK$3,991/mo
Deposit HK$14.16M · loan HK$14.16M · min. income ≈ HK$151,426/mo (50% DSR)
Upfront cash ≈ HK$15.36M (deposit + AVD stamp duty HK$1,203,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,483
−HK$4,859/mo
▼ 0.25% · 3.875%
HK$79,893
−HK$2,449/mo
Today · 4.125%
HK$82,342
baseline
▲ 0.50% · 4.625%
HK$87,352
+HK$5,010/mo
Deposit HK$11.33M · loan HK$16.99M · min. income ≈ HK$164,684/mo (50% DSR)
Upfront cash ≈ HK$12.53M (deposit + AVD stamp duty HK$1,203,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,199
−HK$4,657/mo
▼ 0.25% · 3.875%
HK$88,511
−HK$2,345/mo
Today · 4.125%
HK$90,856
baseline
▲ 0.50% · 4.625%
HK$95,645
+HK$4,789/mo
Deposit HK$11.33M · loan HK$16.99M · min. income ≈ HK$181,712/mo (50% DSR)
Upfront cash ≈ HK$12.53M (deposit + AVD stamp duty HK$1,203,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,397
−HK$5,668/mo
▼ 0.25% · 3.875%
HK$93,209
−HK$2,856/mo
Today · 4.125%
HK$96,065
baseline
▲ 0.50% · 4.625%
HK$101,911
+HK$5,846/mo
Deposit HK$8.49M · loan HK$19.82M · min. income ≈ HK$192,130/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$1,203,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,566
−HK$5,433/mo
▼ 0.25% · 3.875%
HK$103,263
−HK$2,736/mo
Today · 4.125%
HK$105,999
baseline
▲ 0.50% · 4.625%
HK$111,586
+HK$5,587/mo
Deposit HK$8.49M · loan HK$19.82M · min. income ≈ HK$211,998/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$1,203,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,224
−HK$7,289/mo
▼ 0.25% · 3.875%
HK$119,840
−HK$3,673/mo
Today · 4.125%
HK$123,513
baseline
▲ 0.50% · 4.625%
HK$131,028
+HK$7,515/mo
Deposit HK$2.83M · loan HK$25.48M · min. income ≈ HK$247,026/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$1,203,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,299
−HK$6,985/mo
▼ 0.25% · 3.875%
HK$132,766
−HK$3,518/mo
Today · 4.125%
HK$136,284
baseline
▲ 0.50% · 4.625%
HK$143,468
+HK$7,184/mo
Deposit HK$2.83M · loan HK$25.48M · min. income ≈ HK$272,568/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$1,203,457 · Scale 2, in force from 26 Feb 2026)