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$64,113
−HK$4,021/mo
▼ 0.25% · 3.875%
HK$66,108
−HK$2,026/mo
Today · 4.125%
HK$68,134
baseline
▲ 0.50% · 4.625%
HK$72,280
+HK$4,146/mo
Deposit HK$14.06M · loan HK$14.06M · min. income ≈ HK$136,268/mo (50% DSR)
Upfront cash ≈ HK$15.25M (deposit + AVD stamp duty HK$1,194,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,326
−HK$3,853/mo
▼ 0.25% · 3.875%
HK$73,239
−HK$1,940/mo
Today · 4.125%
HK$75,179
baseline
▲ 0.50% · 4.625%
HK$79,142
+HK$3,963/mo
Deposit HK$14.06M · loan HK$14.06M · min. income ≈ HK$150,358/mo (50% DSR)
Upfront cash ≈ HK$15.25M (deposit + AVD stamp duty HK$1,194,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,936
−HK$4,825/mo
▼ 0.25% · 3.875%
HK$79,329
−HK$2,432/mo
Today · 4.125%
HK$81,761
baseline
▲ 0.50% · 4.625%
HK$86,736
+HK$4,975/mo
Deposit HK$11.25M · loan HK$16.87M · min. income ≈ HK$163,522/mo (50% DSR)
Upfront cash ≈ HK$12.44M (deposit + AVD stamp duty HK$1,194,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,591
−HK$4,624/mo
▼ 0.25% · 3.875%
HK$87,886
−HK$2,329/mo
Today · 4.125%
HK$90,215
baseline
▲ 0.50% · 4.625%
HK$94,970
+HK$4,755/mo
Deposit HK$11.25M · loan HK$16.87M · min. income ≈ HK$180,430/mo (50% DSR)
Upfront cash ≈ HK$12.44M (deposit + AVD stamp duty HK$1,194,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,759
−HK$5,629/mo
▼ 0.25% · 3.875%
HK$92,551
−HK$2,837/mo
Today · 4.125%
HK$95,388
baseline
▲ 0.50% · 4.625%
HK$101,192
+HK$5,804/mo
Deposit HK$8.44M · loan HK$19.68M · min. income ≈ HK$190,776/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$1,194,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,856
−HK$5,395/mo
▼ 0.25% · 3.875%
HK$102,534
−HK$2,717/mo
Today · 4.125%
HK$105,251
baseline
▲ 0.50% · 4.625%
HK$110,799
+HK$5,548/mo
Deposit HK$8.44M · loan HK$19.68M · min. income ≈ HK$210,502/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$1,194,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,404
−HK$7,237/mo
▼ 0.25% · 3.875%
HK$118,994
−HK$3,647/mo
Today · 4.125%
HK$122,641
baseline
▲ 0.50% · 4.625%
HK$130,104
+HK$7,463/mo
Deposit HK$2.81M · loan HK$25.31M · min. income ≈ HK$245,282/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$1,194,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,386
−HK$6,936/mo
▼ 0.25% · 3.875%
HK$131,829
−HK$3,493/mo
Today · 4.125%
HK$135,322
baseline
▲ 0.50% · 4.625%
HK$142,455
+HK$7,133/mo
Deposit HK$2.81M · loan HK$25.31M · min. income ≈ HK$270,644/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$1,194,964 · Scale 2, in force from 26 Feb 2026)