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$64,440
−HK$4,041/mo
▼ 0.25% · 3.875%
HK$66,445
−HK$2,036/mo
Today · 4.125%
HK$68,481
baseline
▲ 0.50% · 4.625%
HK$72,648
+HK$4,167/mo
Deposit HK$14.13M · loan HK$14.13M · min. income ≈ HK$136,962/mo (50% DSR)
Upfront cash ≈ HK$15.33M (deposit + AVD stamp duty HK$1,201,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,689
−HK$3,873/mo
▼ 0.25% · 3.875%
HK$73,612
−HK$1,950/mo
Today · 4.125%
HK$75,562
baseline
▲ 0.50% · 4.625%
HK$79,545
+HK$3,983/mo
Deposit HK$14.13M · loan HK$14.13M · min. income ≈ HK$151,124/mo (50% DSR)
Upfront cash ≈ HK$15.33M (deposit + AVD stamp duty HK$1,201,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,328
−HK$4,849/mo
▼ 0.25% · 3.875%
HK$79,734
−HK$2,443/mo
Today · 4.125%
HK$82,177
baseline
▲ 0.50% · 4.625%
HK$87,178
+HK$5,001/mo
Deposit HK$11.30M · loan HK$16.96M · min. income ≈ HK$164,354/mo (50% DSR)
Upfront cash ≈ HK$12.51M (deposit + AVD stamp duty HK$1,201,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,027
−HK$4,648/mo
▼ 0.25% · 3.875%
HK$88,334
−HK$2,341/mo
Today · 4.125%
HK$90,675
baseline
▲ 0.50% · 4.625%
HK$95,454
+HK$4,779/mo
Deposit HK$11.30M · loan HK$16.96M · min. income ≈ HK$181,350/mo (50% DSR)
Upfront cash ≈ HK$12.51M (deposit + AVD stamp duty HK$1,201,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,216
−HK$5,658/mo
▼ 0.25% · 3.875%
HK$93,022
−HK$2,852/mo
Today · 4.125%
HK$95,874
baseline
▲ 0.50% · 4.625%
HK$101,707
+HK$5,833/mo
Deposit HK$8.48M · loan HK$19.78M · min. income ≈ HK$191,748/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$1,201,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,365
−HK$5,422/mo
▼ 0.25% · 3.875%
HK$103,056
−HK$2,731/mo
Today · 4.125%
HK$105,787
baseline
▲ 0.50% · 4.625%
HK$111,363
+HK$5,576/mo
Deposit HK$8.48M · loan HK$19.78M · min. income ≈ HK$211,574/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$1,201,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,992
−HK$7,274/mo
▼ 0.25% · 3.875%
HK$119,600
−HK$3,666/mo
Today · 4.125%
HK$123,266
baseline
▲ 0.50% · 4.625%
HK$130,766
+HK$7,500/mo
Deposit HK$2.83M · loan HK$25.43M · min. income ≈ HK$246,532/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$1,201,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,040
−HK$6,972/mo
▼ 0.25% · 3.875%
HK$132,501
−HK$3,511/mo
Today · 4.125%
HK$136,012
baseline
▲ 0.50% · 4.625%
HK$143,181
+HK$7,169/mo
Deposit HK$2.83M · loan HK$25.43M · min. income ≈ HK$272,024/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$1,201,052 · Scale 2, in force from 26 Feb 2026)