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$65,349
−HK$4,098/mo
▼ 0.25% · 3.875%
HK$67,382
−HK$2,065/mo
Today · 4.125%
HK$69,447
baseline
▲ 0.50% · 4.625%
HK$73,673
+HK$4,226/mo
Deposit HK$14.33M · loan HK$14.33M · min. income ≈ HK$138,894/mo (50% DSR)
Upfront cash ≈ HK$15.55M (deposit + AVD stamp duty HK$1,217,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,701
−HK$3,927/mo
▼ 0.25% · 3.875%
HK$74,650
−HK$1,978/mo
Today · 4.125%
HK$76,628
baseline
▲ 0.50% · 4.625%
HK$80,668
+HK$4,040/mo
Deposit HK$14.33M · loan HK$14.33M · min. income ≈ HK$153,256/mo (50% DSR)
Upfront cash ≈ HK$15.55M (deposit + AVD stamp duty HK$1,217,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,419
−HK$4,918/mo
▼ 0.25% · 3.875%
HK$80,859
−HK$2,478/mo
Today · 4.125%
HK$83,337
baseline
▲ 0.50% · 4.625%
HK$88,408
+HK$5,071/mo
Deposit HK$11.46M · loan HK$17.20M · min. income ≈ HK$166,674/mo (50% DSR)
Upfront cash ≈ HK$12.68M (deposit + AVD stamp duty HK$1,217,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,241
−HK$4,713/mo
▼ 0.25% · 3.875%
HK$89,580
−HK$2,374/mo
Today · 4.125%
HK$91,954
baseline
▲ 0.50% · 4.625%
HK$96,801
+HK$4,847/mo
Deposit HK$11.46M · loan HK$17.20M · min. income ≈ HK$183,908/mo (50% DSR)
Upfront cash ≈ HK$12.68M (deposit + AVD stamp duty HK$1,217,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,489
−HK$5,737/mo
▼ 0.25% · 3.875%
HK$94,335
−HK$2,891/mo
Today · 4.125%
HK$97,226
baseline
▲ 0.50% · 4.625%
HK$103,142
+HK$5,916/mo
Deposit HK$8.60M · loan HK$20.06M · min. income ≈ HK$194,452/mo (50% DSR)
Upfront cash ≈ HK$9.82M (deposit + AVD stamp duty HK$1,217,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,781
−HK$5,499/mo
▼ 0.25% · 3.875%
HK$104,511
−HK$2,769/mo
Today · 4.125%
HK$107,280
baseline
▲ 0.50% · 4.625%
HK$112,935
+HK$5,655/mo
Deposit HK$8.60M · loan HK$20.06M · min. income ≈ HK$214,560/mo (50% DSR)
Upfront cash ≈ HK$9.82M (deposit + AVD stamp duty HK$1,217,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,629
−HK$7,376/mo
▼ 0.25% · 3.875%
HK$121,288
−HK$3,717/mo
Today · 4.125%
HK$125,005
baseline
▲ 0.50% · 4.625%
HK$132,612
+HK$7,607/mo
Deposit HK$2.87M · loan HK$25.79M · min. income ≈ HK$250,010/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$1,217,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,861
−HK$7,070/mo
▼ 0.25% · 3.875%
HK$134,371
−HK$3,560/mo
Today · 4.125%
HK$137,931
baseline
▲ 0.50% · 4.625%
HK$145,202
+HK$7,271/mo
Deposit HK$2.87M · loan HK$25.79M · min. income ≈ HK$275,862/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$1,217,999 · Scale 2, in force from 26 Feb 2026)