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$64,839
−HK$4,066/mo
▼ 0.25% · 3.875%
HK$66,856
−HK$2,049/mo
Today · 4.125%
HK$68,905
baseline
▲ 0.50% · 4.625%
HK$73,098
+HK$4,193/mo
Deposit HK$14.22M · loan HK$14.22M · min. income ≈ HK$137,810/mo (50% DSR)
Upfront cash ≈ HK$15.43M (deposit + AVD stamp duty HK$1,208,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,133
−HK$3,897/mo
▼ 0.25% · 3.875%
HK$74,067
−HK$1,963/mo
Today · 4.125%
HK$76,030
baseline
▲ 0.50% · 4.625%
HK$80,038
+HK$4,008/mo
Deposit HK$14.22M · loan HK$14.22M · min. income ≈ HK$152,060/mo (50% DSR)
Upfront cash ≈ HK$15.43M (deposit + AVD stamp duty HK$1,208,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,807
−HK$4,879/mo
▼ 0.25% · 3.875%
HK$80,227
−HK$2,459/mo
Today · 4.125%
HK$82,686
baseline
▲ 0.50% · 4.625%
HK$87,717
+HK$5,031/mo
Deposit HK$11.37M · loan HK$17.06M · min. income ≈ HK$165,372/mo (50% DSR)
Upfront cash ≈ HK$12.58M (deposit + AVD stamp duty HK$1,208,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,559
−HK$4,677/mo
▼ 0.25% · 3.875%
HK$88,881
−HK$2,355/mo
Today · 4.125%
HK$91,236
baseline
▲ 0.50% · 4.625%
HK$96,045
+HK$4,809/mo
Deposit HK$11.37M · loan HK$17.06M · min. income ≈ HK$182,472/mo (50% DSR)
Upfront cash ≈ HK$12.58M (deposit + AVD stamp duty HK$1,208,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,775
−HK$5,692/mo
▼ 0.25% · 3.875%
HK$93,598
−HK$2,869/mo
Today · 4.125%
HK$96,467
baseline
▲ 0.50% · 4.625%
HK$102,337
+HK$5,870/mo
Deposit HK$8.53M · loan HK$19.90M · min. income ≈ HK$192,934/mo (50% DSR)
Upfront cash ≈ HK$9.74M (deposit + AVD stamp duty HK$1,208,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,986
−HK$5,456/mo
▼ 0.25% · 3.875%
HK$103,694
−HK$2,748/mo
Today · 4.125%
HK$106,442
baseline
▲ 0.50% · 4.625%
HK$112,053
+HK$5,611/mo
Deposit HK$8.53M · loan HK$19.90M · min. income ≈ HK$212,884/mo (50% DSR)
Upfront cash ≈ HK$9.74M (deposit + AVD stamp duty HK$1,208,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,710
−HK$7,319/mo
▼ 0.25% · 3.875%
HK$120,341
−HK$3,688/mo
Today · 4.125%
HK$124,029
baseline
▲ 0.50% · 4.625%
HK$131,576
+HK$7,547/mo
Deposit HK$2.84M · loan HK$25.59M · min. income ≈ HK$248,058/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$1,208,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,839
−HK$7,015/mo
▼ 0.25% · 3.875%
HK$133,321
−HK$3,533/mo
Today · 4.125%
HK$136,854
baseline
▲ 0.50% · 4.625%
HK$144,068
+HK$7,214/mo
Deposit HK$2.84M · loan HK$25.59M · min. income ≈ HK$273,708/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$1,208,487 · Scale 2, in force from 26 Feb 2026)