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$63,873
−HK$4,006/mo
▼ 0.25% · 3.875%
HK$65,860
−HK$2,019/mo
Today · 4.125%
HK$67,879
baseline
▲ 0.50% · 4.625%
HK$72,009
+HK$4,130/mo
Deposit HK$14.01M · loan HK$14.01M · min. income ≈ HK$135,758/mo (50% DSR)
Upfront cash ≈ HK$15.20M (deposit + AVD stamp duty HK$1,190,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,059
−HK$3,839/mo
▼ 0.25% · 3.875%
HK$72,964
−HK$1,934/mo
Today · 4.125%
HK$74,898
baseline
▲ 0.50% · 4.625%
HK$78,846
+HK$3,948/mo
Deposit HK$14.01M · loan HK$14.01M · min. income ≈ HK$149,796/mo (50% DSR)
Upfront cash ≈ HK$15.20M (deposit + AVD stamp duty HK$1,190,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,648
−HK$4,807/mo
▼ 0.25% · 3.875%
HK$79,032
−HK$2,423/mo
Today · 4.125%
HK$81,455
baseline
▲ 0.50% · 4.625%
HK$86,411
+HK$4,956/mo
Deposit HK$11.20M · loan HK$16.81M · min. income ≈ HK$162,910/mo (50% DSR)
Upfront cash ≈ HK$12.40M (deposit + AVD stamp duty HK$1,190,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,270
−HK$4,607/mo
▼ 0.25% · 3.875%
HK$87,557
−HK$2,320/mo
Today · 4.125%
HK$89,877
baseline
▲ 0.50% · 4.625%
HK$94,615
+HK$4,738/mo
Deposit HK$11.20M · loan HK$16.81M · min. income ≈ HK$179,754/mo (50% DSR)
Upfront cash ≈ HK$12.40M (deposit + AVD stamp duty HK$1,190,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,423
−HK$5,607/mo
▼ 0.25% · 3.875%
HK$92,204
−HK$2,826/mo
Today · 4.125%
HK$95,030
baseline
▲ 0.50% · 4.625%
HK$100,813
+HK$5,783/mo
Deposit HK$8.40M · loan HK$19.61M · min. income ≈ HK$190,060/mo (50% DSR)
Upfront cash ≈ HK$9.59M (deposit + AVD stamp duty HK$1,190,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,482
−HK$5,375/mo
▼ 0.25% · 3.875%
HK$102,150
−HK$2,707/mo
Today · 4.125%
HK$104,857
baseline
▲ 0.50% · 4.625%
HK$110,384
+HK$5,527/mo
Deposit HK$8.40M · loan HK$19.61M · min. income ≈ HK$209,714/mo (50% DSR)
Upfront cash ≈ HK$9.59M (deposit + AVD stamp duty HK$1,190,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,972
−HK$7,210/mo
▼ 0.25% · 3.875%
HK$118,549
−HK$3,633/mo
Today · 4.125%
HK$122,182
baseline
▲ 0.50% · 4.625%
HK$129,617
+HK$7,435/mo
Deposit HK$2.80M · loan HK$25.21M · min. income ≈ HK$244,364/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$1,190,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,905
−HK$6,911/mo
▼ 0.25% · 3.875%
HK$131,336
−HK$3,480/mo
Today · 4.125%
HK$134,816
baseline
▲ 0.50% · 4.625%
HK$141,922
+HK$7,106/mo
Deposit HK$2.80M · loan HK$25.21M · min. income ≈ HK$269,632/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$1,190,491 · Scale 2, in force from 26 Feb 2026)