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$65,669
−HK$4,118/mo
▼ 0.25% · 3.875%
HK$67,712
−HK$2,075/mo
Today · 4.125%
HK$69,787
baseline
▲ 0.50% · 4.625%
HK$74,033
+HK$4,246/mo
Deposit HK$14.40M · loan HK$14.40M · min. income ≈ HK$139,574/mo (50% DSR)
Upfront cash ≈ HK$15.62M (deposit + AVD stamp duty HK$1,223,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,056
−HK$3,947/mo
▼ 0.25% · 3.875%
HK$75,016
−HK$1,987/mo
Today · 4.125%
HK$77,003
baseline
▲ 0.50% · 4.625%
HK$81,062
+HK$4,059/mo
Deposit HK$14.40M · loan HK$14.40M · min. income ≈ HK$154,006/mo (50% DSR)
Upfront cash ≈ HK$15.62M (deposit + AVD stamp duty HK$1,223,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,803
−HK$4,942/mo
▼ 0.25% · 3.875%
HK$81,254
−HK$2,491/mo
Today · 4.125%
HK$83,745
baseline
▲ 0.50% · 4.625%
HK$88,840
+HK$5,095/mo
Deposit HK$11.52M · loan HK$17.28M · min. income ≈ HK$167,490/mo (50% DSR)
Upfront cash ≈ HK$12.74M (deposit + AVD stamp duty HK$1,223,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,667
−HK$4,737/mo
▼ 0.25% · 3.875%
HK$90,019
−HK$2,385/mo
Today · 4.125%
HK$92,404
baseline
▲ 0.50% · 4.625%
HK$97,275
+HK$4,871/mo
Deposit HK$11.52M · loan HK$17.28M · min. income ≈ HK$184,808/mo (50% DSR)
Upfront cash ≈ HK$12.74M (deposit + AVD stamp duty HK$1,223,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,937
−HK$5,765/mo
▼ 0.25% · 3.875%
HK$94,796
−HK$2,906/mo
Today · 4.125%
HK$97,702
baseline
▲ 0.50% · 4.625%
HK$103,647
+HK$5,945/mo
Deposit HK$8.64M · loan HK$20.16M · min. income ≈ HK$195,404/mo (50% DSR)
Upfront cash ≈ HK$9.86M (deposit + AVD stamp duty HK$1,223,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,279
−HK$5,525/mo
▼ 0.25% · 3.875%
HK$105,022
−HK$2,782/mo
Today · 4.125%
HK$107,804
baseline
▲ 0.50% · 4.625%
HK$113,487
+HK$5,683/mo
Deposit HK$8.64M · loan HK$20.16M · min. income ≈ HK$215,608/mo (50% DSR)
Upfront cash ≈ HK$9.86M (deposit + AVD stamp duty HK$1,223,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,204
−HK$7,413/mo
▼ 0.25% · 3.875%
HK$121,881
−HK$3,736/mo
Today · 4.125%
HK$125,617
baseline
▲ 0.50% · 4.625%
HK$133,260
+HK$7,643/mo
Deposit HK$2.88M · loan HK$25.92M · min. income ≈ HK$251,234/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$1,223,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,501
−HK$7,105/mo
▼ 0.25% · 3.875%
HK$135,028
−HK$3,578/mo
Today · 4.125%
HK$138,606
baseline
▲ 0.50% · 4.625%
HK$145,912
+HK$7,306/mo
Deposit HK$2.88M · loan HK$25.92M · min. income ≈ HK$277,212/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$1,223,957 · Scale 2, in force from 26 Feb 2026)