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$65,964
−HK$4,136/mo
▼ 0.25% · 3.875%
HK$68,015
−HK$2,085/mo
Today · 4.125%
HK$70,100
baseline
▲ 0.50% · 4.625%
HK$74,366
+HK$4,266/mo
Deposit HK$14.46M · loan HK$14.46M · min. income ≈ HK$140,200/mo (50% DSR)
Upfront cash ≈ HK$15.69M (deposit + AVD stamp duty HK$1,229,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,384
−HK$3,965/mo
▼ 0.25% · 3.875%
HK$75,352
−HK$1,997/mo
Today · 4.125%
HK$77,349
baseline
▲ 0.50% · 4.625%
HK$81,426
+HK$4,077/mo
Deposit HK$14.46M · loan HK$14.46M · min. income ≈ HK$154,698/mo (50% DSR)
Upfront cash ≈ HK$15.69M (deposit + AVD stamp duty HK$1,229,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,156
−HK$4,964/mo
▼ 0.25% · 3.875%
HK$81,619
−HK$2,501/mo
Today · 4.125%
HK$84,120
baseline
▲ 0.50% · 4.625%
HK$89,239
+HK$5,119/mo
Deposit HK$11.57M · loan HK$17.36M · min. income ≈ HK$168,240/mo (50% DSR)
Upfront cash ≈ HK$12.80M (deposit + AVD stamp duty HK$1,229,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,061
−HK$4,757/mo
▼ 0.25% · 3.875%
HK$90,422
−HK$2,396/mo
Today · 4.125%
HK$92,818
baseline
▲ 0.50% · 4.625%
HK$97,711
+HK$4,893/mo
Deposit HK$11.57M · loan HK$17.36M · min. income ≈ HK$185,636/mo (50% DSR)
Upfront cash ≈ HK$12.80M (deposit + AVD stamp duty HK$1,229,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,349
−HK$5,791/mo
▼ 0.25% · 3.875%
HK$95,222
−HK$2,918/mo
Today · 4.125%
HK$98,140
baseline
▲ 0.50% · 4.625%
HK$104,112
+HK$5,972/mo
Deposit HK$8.68M · loan HK$20.25M · min. income ≈ HK$196,280/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$1,229,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,737
−HK$5,551/mo
▼ 0.25% · 3.875%
HK$105,493
−HK$2,795/mo
Today · 4.125%
HK$108,288
baseline
▲ 0.50% · 4.625%
HK$113,996
+HK$5,708/mo
Deposit HK$8.68M · loan HK$20.25M · min. income ≈ HK$216,576/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$1,229,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,735
−HK$7,445/mo
▼ 0.25% · 3.875%
HK$122,428
−HK$3,752/mo
Today · 4.125%
HK$126,180
baseline
▲ 0.50% · 4.625%
HK$133,858
+HK$7,678/mo
Deposit HK$2.89M · loan HK$26.04M · min. income ≈ HK$252,360/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$1,229,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,091
−HK$7,136/mo
▼ 0.25% · 3.875%
HK$135,634
−HK$3,593/mo
Today · 4.125%
HK$139,227
baseline
▲ 0.50% · 4.625%
HK$146,566
+HK$7,339/mo
Deposit HK$2.89M · loan HK$26.04M · min. income ≈ HK$278,454/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$1,229,448 · Scale 2, in force from 26 Feb 2026)