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$64,069
−HK$4,018/mo
▼ 0.25% · 3.875%
HK$66,062
−HK$2,025/mo
Today · 4.125%
HK$68,087
baseline
▲ 0.50% · 4.625%
HK$72,230
+HK$4,143/mo
Deposit HK$14.05M · loan HK$14.05M · min. income ≈ HK$136,174/mo (50% DSR)
Upfront cash ≈ HK$15.24M (deposit + AVD stamp duty HK$1,194,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,277
−HK$3,850/mo
▼ 0.25% · 3.875%
HK$73,188
−HK$1,939/mo
Today · 4.125%
HK$75,127
baseline
▲ 0.50% · 4.625%
HK$79,088
+HK$3,961/mo
Deposit HK$14.05M · loan HK$14.05M · min. income ≈ HK$150,254/mo (50% DSR)
Upfront cash ≈ HK$15.24M (deposit + AVD stamp duty HK$1,194,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,883
−HK$4,822/mo
▼ 0.25% · 3.875%
HK$79,275
−HK$2,430/mo
Today · 4.125%
HK$81,705
baseline
▲ 0.50% · 4.625%
HK$86,676
+HK$4,971/mo
Deposit HK$11.24M · loan HK$16.86M · min. income ≈ HK$163,410/mo (50% DSR)
Upfront cash ≈ HK$12.43M (deposit + AVD stamp duty HK$1,194,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,532
−HK$4,621/mo
▼ 0.25% · 3.875%
HK$87,826
−HK$2,327/mo
Today · 4.125%
HK$90,153
baseline
▲ 0.50% · 4.625%
HK$94,905
+HK$4,752/mo
Deposit HK$11.24M · loan HK$16.86M · min. income ≈ HK$180,306/mo (50% DSR)
Upfront cash ≈ HK$12.43M (deposit + AVD stamp duty HK$1,194,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,697
−HK$5,625/mo
▼ 0.25% · 3.875%
HK$92,487
−HK$2,835/mo
Today · 4.125%
HK$95,322
baseline
▲ 0.50% · 4.625%
HK$101,122
+HK$5,800/mo
Deposit HK$8.43M · loan HK$19.67M · min. income ≈ HK$190,644/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$1,194,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,787
−HK$5,391/mo
▼ 0.25% · 3.875%
HK$102,463
−HK$2,715/mo
Today · 4.125%
HK$105,178
baseline
▲ 0.50% · 4.625%
HK$110,723
+HK$5,545/mo
Deposit HK$8.43M · loan HK$19.67M · min. income ≈ HK$210,356/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$1,194,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,325
−HK$7,232/mo
▼ 0.25% · 3.875%
HK$118,912
−HK$3,645/mo
Today · 4.125%
HK$122,557
baseline
▲ 0.50% · 4.625%
HK$130,014
+HK$7,457/mo
Deposit HK$2.81M · loan HK$25.29M · min. income ≈ HK$245,114/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$1,194,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,298
−HK$6,931/mo
▼ 0.25% · 3.875%
HK$131,739
−HK$3,490/mo
Today · 4.125%
HK$135,229
baseline
▲ 0.50% · 4.625%
HK$142,358
+HK$7,129/mo
Deposit HK$2.81M · loan HK$25.29M · min. income ≈ HK$270,458/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$1,194,143 · Scale 2, in force from 26 Feb 2026)