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$65,344
−HK$4,098/mo
▼ 0.25% · 3.875%
HK$67,377
−HK$2,065/mo
Today · 4.125%
HK$69,442
baseline
▲ 0.50% · 4.625%
HK$73,668
+HK$4,226/mo
Deposit HK$14.33M · loan HK$14.33M · min. income ≈ HK$138,884/mo (50% DSR)
Upfront cash ≈ HK$15.55M (deposit + AVD stamp duty HK$1,217,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,695
−HK$3,928/mo
▼ 0.25% · 3.875%
HK$74,645
−HK$1,978/mo
Today · 4.125%
HK$76,623
baseline
▲ 0.50% · 4.625%
HK$80,661
+HK$4,038/mo
Deposit HK$14.33M · loan HK$14.33M · min. income ≈ HK$153,246/mo (50% DSR)
Upfront cash ≈ HK$15.55M (deposit + AVD stamp duty HK$1,217,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,413
−HK$4,918/mo
▼ 0.25% · 3.875%
HK$80,852
−HK$2,479/mo
Today · 4.125%
HK$83,331
baseline
▲ 0.50% · 4.625%
HK$88,401
+HK$5,070/mo
Deposit HK$11.46M · loan HK$17.19M · min. income ≈ HK$166,662/mo (50% DSR)
Upfront cash ≈ HK$12.68M (deposit + AVD stamp duty HK$1,217,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,234
−HK$4,713/mo
▼ 0.25% · 3.875%
HK$89,574
−HK$2,373/mo
Today · 4.125%
HK$91,947
baseline
▲ 0.50% · 4.625%
HK$96,794
+HK$4,847/mo
Deposit HK$11.46M · loan HK$17.19M · min. income ≈ HK$183,894/mo (50% DSR)
Upfront cash ≈ HK$12.68M (deposit + AVD stamp duty HK$1,217,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,482
−HK$5,737/mo
▼ 0.25% · 3.875%
HK$94,328
−HK$2,891/mo
Today · 4.125%
HK$97,219
baseline
▲ 0.50% · 4.625%
HK$103,135
+HK$5,916/mo
Deposit HK$8.60M · loan HK$20.06M · min. income ≈ HK$194,438/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$1,217,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,773
−HK$5,499/mo
▼ 0.25% · 3.875%
HK$104,503
−HK$2,769/mo
Today · 4.125%
HK$107,272
baseline
▲ 0.50% · 4.625%
HK$112,926
+HK$5,654/mo
Deposit HK$8.60M · loan HK$20.06M · min. income ≈ HK$214,544/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$1,217,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,620
−HK$7,376/mo
▼ 0.25% · 3.875%
HK$121,279
−HK$3,717/mo
Today · 4.125%
HK$124,996
baseline
▲ 0.50% · 4.625%
HK$132,602
+HK$7,606/mo
Deposit HK$2.87M · loan HK$25.79M · min. income ≈ HK$249,992/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$1,217,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,851
−HK$7,070/mo
▼ 0.25% · 3.875%
HK$134,361
−HK$3,560/mo
Today · 4.125%
HK$137,921
baseline
▲ 0.50% · 4.625%
HK$145,191
+HK$7,270/mo
Deposit HK$2.87M · loan HK$25.79M · min. income ≈ HK$275,842/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$1,217,908 · Scale 2, in force from 26 Feb 2026)