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$63,924
−HK$4,009/mo
▼ 0.25% · 3.875%
HK$65,912
−HK$2,021/mo
Today · 4.125%
HK$67,933
baseline
▲ 0.50% · 4.625%
HK$72,066
+HK$4,133/mo
Deposit HK$14.02M · loan HK$14.02M · min. income ≈ HK$135,866/mo (50% DSR)
Upfront cash ≈ HK$15.21M (deposit + AVD stamp duty HK$1,191,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,115
−HK$3,842/mo
▼ 0.25% · 3.875%
HK$73,022
−HK$1,935/mo
Today · 4.125%
HK$74,957
baseline
▲ 0.50% · 4.625%
HK$78,908
+HK$3,951/mo
Deposit HK$14.02M · loan HK$14.02M · min. income ≈ HK$149,914/mo (50% DSR)
Upfront cash ≈ HK$15.21M (deposit + AVD stamp duty HK$1,191,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,709
−HK$4,810/mo
▼ 0.25% · 3.875%
HK$79,095
−HK$2,424/mo
Today · 4.125%
HK$81,519
baseline
▲ 0.50% · 4.625%
HK$86,479
+HK$4,960/mo
Deposit HK$11.21M · loan HK$16.82M · min. income ≈ HK$163,038/mo (50% DSR)
Upfront cash ≈ HK$12.40M (deposit + AVD stamp duty HK$1,191,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,338
−HK$4,610/mo
▼ 0.25% · 3.875%
HK$87,626
−HK$2,322/mo
Today · 4.125%
HK$89,948
baseline
▲ 0.50% · 4.625%
HK$94,690
+HK$4,742/mo
Deposit HK$11.21M · loan HK$16.82M · min. income ≈ HK$179,896/mo (50% DSR)
Upfront cash ≈ HK$12.40M (deposit + AVD stamp duty HK$1,191,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,494
−HK$5,612/mo
▼ 0.25% · 3.875%
HK$92,277
−HK$2,829/mo
Today · 4.125%
HK$95,106
baseline
▲ 0.50% · 4.625%
HK$100,893
+HK$5,787/mo
Deposit HK$8.41M · loan HK$19.62M · min. income ≈ HK$190,212/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$1,191,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,561
−HK$5,379/mo
▼ 0.25% · 3.875%
HK$102,231
−HK$2,709/mo
Today · 4.125%
HK$104,940
baseline
▲ 0.50% · 4.625%
HK$110,471
+HK$5,531/mo
Deposit HK$8.41M · loan HK$19.62M · min. income ≈ HK$209,880/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$1,191,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,063
−HK$7,216/mo
▼ 0.25% · 3.875%
HK$118,642
−HK$3,637/mo
Today · 4.125%
HK$122,279
baseline
▲ 0.50% · 4.625%
HK$129,719
+HK$7,440/mo
Deposit HK$2.80M · loan HK$25.23M · min. income ≈ HK$244,558/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$1,191,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,007
−HK$6,915/mo
▼ 0.25% · 3.875%
HK$131,440
−HK$3,482/mo
Today · 4.125%
HK$134,922
baseline
▲ 0.50% · 4.625%
HK$142,034
+HK$7,112/mo
Deposit HK$2.80M · loan HK$25.23M · min. income ≈ HK$269,844/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$1,191,432 · Scale 2, in force from 26 Feb 2026)