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$65,836
−HK$4,129/mo
▼ 0.25% · 3.875%
HK$67,884
−HK$2,081/mo
Today · 4.125%
HK$69,965
baseline
▲ 0.50% · 4.625%
HK$74,222
+HK$4,257/mo
Deposit HK$14.44M · loan HK$14.44M · min. income ≈ HK$139,930/mo (50% DSR)
Upfront cash ≈ HK$15.66M (deposit + AVD stamp duty HK$1,227,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,242
−HK$3,957/mo
▼ 0.25% · 3.875%
HK$75,206
−HK$1,993/mo
Today · 4.125%
HK$77,199
baseline
▲ 0.50% · 4.625%
HK$81,268
+HK$4,069/mo
Deposit HK$14.44M · loan HK$14.44M · min. income ≈ HK$154,398/mo (50% DSR)
Upfront cash ≈ HK$15.66M (deposit + AVD stamp duty HK$1,227,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,003
−HK$4,954/mo
▼ 0.25% · 3.875%
HK$81,461
−HK$2,496/mo
Today · 4.125%
HK$83,957
baseline
▲ 0.50% · 4.625%
HK$89,066
+HK$5,109/mo
Deposit HK$11.55M · loan HK$17.32M · min. income ≈ HK$167,914/mo (50% DSR)
Upfront cash ≈ HK$12.78M (deposit + AVD stamp duty HK$1,227,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,890
−HK$4,749/mo
▼ 0.25% · 3.875%
HK$90,247
−HK$2,392/mo
Today · 4.125%
HK$92,639
baseline
▲ 0.50% · 4.625%
HK$97,522
+HK$4,883/mo
Deposit HK$11.55M · loan HK$17.32M · min. income ≈ HK$185,278/mo (50% DSR)
Upfront cash ≈ HK$12.78M (deposit + AVD stamp duty HK$1,227,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,170
−HK$5,780/mo
▼ 0.25% · 3.875%
HK$95,037
−HK$2,913/mo
Today · 4.125%
HK$97,950
baseline
▲ 0.50% · 4.625%
HK$103,910
+HK$5,960/mo
Deposit HK$8.66M · loan HK$20.21M · min. income ≈ HK$195,900/mo (50% DSR)
Upfront cash ≈ HK$9.89M (deposit + AVD stamp duty HK$1,227,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,539
−HK$5,540/mo
▼ 0.25% · 3.875%
HK$105,289
−HK$2,790/mo
Today · 4.125%
HK$108,079
baseline
▲ 0.50% · 4.625%
HK$113,776
+HK$5,697/mo
Deposit HK$8.66M · loan HK$20.21M · min. income ≈ HK$216,158/mo (50% DSR)
Upfront cash ≈ HK$9.89M (deposit + AVD stamp duty HK$1,227,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,505
−HK$7,431/mo
▼ 0.25% · 3.875%
HK$122,191
−HK$3,745/mo
Today · 4.125%
HK$125,936
baseline
▲ 0.50% · 4.625%
HK$133,599
+HK$7,663/mo
Deposit HK$2.89M · loan HK$25.98M · min. income ≈ HK$251,872/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$1,227,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,835
−HK$7,123/mo
▼ 0.25% · 3.875%
HK$135,371
−HK$3,587/mo
Today · 4.125%
HK$138,958
baseline
▲ 0.50% · 4.625%
HK$146,283
+HK$7,325/mo
Deposit HK$2.89M · loan HK$25.98M · min. income ≈ HK$277,916/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$1,227,069 · Scale 2, in force from 26 Feb 2026)