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$66,041
−HK$4,141/mo
▼ 0.25% · 3.875%
HK$68,095
−HK$2,087/mo
Today · 4.125%
HK$70,182
baseline
▲ 0.50% · 4.625%
HK$74,453
+HK$4,271/mo
Deposit HK$14.48M · loan HK$14.48M · min. income ≈ HK$140,364/mo (50% DSR)
Upfront cash ≈ HK$15.71M (deposit + AVD stamp duty HK$1,230,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,470
−HK$3,969/mo
▼ 0.25% · 3.875%
HK$75,440
−HK$1,999/mo
Today · 4.125%
HK$77,439
baseline
▲ 0.50% · 4.625%
HK$81,521
+HK$4,082/mo
Deposit HK$14.48M · loan HK$14.48M · min. income ≈ HK$154,878/mo (50% DSR)
Upfront cash ≈ HK$15.71M (deposit + AVD stamp duty HK$1,230,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,249
−HK$4,970/mo
▼ 0.25% · 3.875%
HK$81,714
−HK$2,505/mo
Today · 4.125%
HK$84,219
baseline
▲ 0.50% · 4.625%
HK$89,343
+HK$5,124/mo
Deposit HK$11.58M · loan HK$17.38M · min. income ≈ HK$168,438/mo (50% DSR)
Upfront cash ≈ HK$12.82M (deposit + AVD stamp duty HK$1,230,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,164
−HK$4,763/mo
▼ 0.25% · 3.875%
HK$90,528
−HK$2,399/mo
Today · 4.125%
HK$92,927
baseline
▲ 0.50% · 4.625%
HK$97,825
+HK$4,898/mo
Deposit HK$11.58M · loan HK$17.38M · min. income ≈ HK$185,854/mo (50% DSR)
Upfront cash ≈ HK$12.82M (deposit + AVD stamp duty HK$1,230,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,457
−HK$5,798/mo
▼ 0.25% · 3.875%
HK$95,333
−HK$2,922/mo
Today · 4.125%
HK$98,255
baseline
▲ 0.50% · 4.625%
HK$104,234
+HK$5,979/mo
Deposit HK$8.69M · loan HK$20.27M · min. income ≈ HK$196,510/mo (50% DSR)
Upfront cash ≈ HK$9.92M (deposit + AVD stamp duty HK$1,230,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,858
−HK$5,557/mo
▼ 0.25% · 3.875%
HK$105,616
−HK$2,799/mo
Today · 4.125%
HK$108,415
baseline
▲ 0.50% · 4.625%
HK$114,130
+HK$5,715/mo
Deposit HK$8.69M · loan HK$20.27M · min. income ≈ HK$216,830/mo (50% DSR)
Upfront cash ≈ HK$9.92M (deposit + AVD stamp duty HK$1,230,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,874
−HK$7,454/mo
▼ 0.25% · 3.875%
HK$122,571
−HK$3,757/mo
Today · 4.125%
HK$126,328
baseline
▲ 0.50% · 4.625%
HK$134,015
+HK$7,687/mo
Deposit HK$2.90M · loan HK$26.07M · min. income ≈ HK$252,656/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$1,230,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,246
−HK$7,145/mo
▼ 0.25% · 3.875%
HK$135,793
−HK$3,598/mo
Today · 4.125%
HK$139,391
baseline
▲ 0.50% · 4.625%
HK$146,738
+HK$7,347/mo
Deposit HK$2.90M · loan HK$26.07M · min. income ≈ HK$278,782/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$1,230,889 · Scale 2, in force from 26 Feb 2026)