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$65,776
−HK$4,125/mo
▼ 0.25% · 3.875%
HK$67,822
−HK$2,079/mo
Today · 4.125%
HK$69,901
baseline
▲ 0.50% · 4.625%
HK$74,154
+HK$4,253/mo
Deposit HK$14.42M · loan HK$14.42M · min. income ≈ HK$139,802/mo (50% DSR)
Upfront cash ≈ HK$15.65M (deposit + AVD stamp duty HK$1,225,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,175
−HK$3,954/mo
▼ 0.25% · 3.875%
HK$75,138
−HK$1,991/mo
Today · 4.125%
HK$77,129
baseline
▲ 0.50% · 4.625%
HK$81,194
+HK$4,065/mo
Deposit HK$14.42M · loan HK$14.42M · min. income ≈ HK$154,258/mo (50% DSR)
Upfront cash ≈ HK$15.65M (deposit + AVD stamp duty HK$1,225,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,932
−HK$4,949/mo
▼ 0.25% · 3.875%
HK$81,387
−HK$2,494/mo
Today · 4.125%
HK$83,881
baseline
▲ 0.50% · 4.625%
HK$88,985
+HK$5,104/mo
Deposit HK$11.54M · loan HK$17.31M · min. income ≈ HK$167,762/mo (50% DSR)
Upfront cash ≈ HK$12.76M (deposit + AVD stamp duty HK$1,225,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,811
−HK$4,744/mo
▼ 0.25% · 3.875%
HK$90,166
−HK$2,389/mo
Today · 4.125%
HK$92,555
baseline
▲ 0.50% · 4.625%
HK$97,433
+HK$4,878/mo
Deposit HK$11.54M · loan HK$17.31M · min. income ≈ HK$185,110/mo (50% DSR)
Upfront cash ≈ HK$12.76M (deposit + AVD stamp duty HK$1,225,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,087
−HK$5,774/mo
▼ 0.25% · 3.875%
HK$94,951
−HK$2,910/mo
Today · 4.125%
HK$97,861
baseline
▲ 0.50% · 4.625%
HK$103,816
+HK$5,955/mo
Deposit HK$8.65M · loan HK$20.19M · min. income ≈ HK$195,722/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$1,225,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,446
−HK$5,534/mo
▼ 0.25% · 3.875%
HK$105,193
−HK$2,787/mo
Today · 4.125%
HK$107,980
baseline
▲ 0.50% · 4.625%
HK$113,672
+HK$5,692/mo
Deposit HK$8.65M · loan HK$20.19M · min. income ≈ HK$215,960/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$1,225,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,397
−HK$7,425/mo
▼ 0.25% · 3.875%
HK$122,080
−HK$3,742/mo
Today · 4.125%
HK$125,822
baseline
▲ 0.50% · 4.625%
HK$133,478
+HK$7,656/mo
Deposit HK$2.88M · loan HK$25.96M · min. income ≈ HK$251,644/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$1,225,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,716
−HK$7,116/mo
▼ 0.25% · 3.875%
HK$135,248
−HK$3,584/mo
Today · 4.125%
HK$138,832
baseline
▲ 0.50% · 4.625%
HK$146,150
+HK$7,318/mo
Deposit HK$2.88M · loan HK$25.96M · min. income ≈ HK$277,664/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$1,225,955 · Scale 2, in force from 26 Feb 2026)