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$65,802
−HK$4,126/mo
▼ 0.25% · 3.875%
HK$67,848
−HK$2,080/mo
Today · 4.125%
HK$69,928
baseline
▲ 0.50% · 4.625%
HK$74,183
+HK$4,255/mo
Deposit HK$14.43M · loan HK$14.43M · min. income ≈ HK$139,856/mo (50% DSR)
Upfront cash ≈ HK$15.66M (deposit + AVD stamp duty HK$1,226,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,204
−HK$3,955/mo
▼ 0.25% · 3.875%
HK$75,167
−HK$1,992/mo
Today · 4.125%
HK$77,159
baseline
▲ 0.50% · 4.625%
HK$81,226
+HK$4,067/mo
Deposit HK$14.43M · loan HK$14.43M · min. income ≈ HK$154,318/mo (50% DSR)
Upfront cash ≈ HK$15.66M (deposit + AVD stamp duty HK$1,226,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,962
−HK$4,952/mo
▼ 0.25% · 3.875%
HK$81,418
−HK$2,496/mo
Today · 4.125%
HK$83,914
baseline
▲ 0.50% · 4.625%
HK$89,020
+HK$5,106/mo
Deposit HK$11.54M · loan HK$17.31M · min. income ≈ HK$167,828/mo (50% DSR)
Upfront cash ≈ HK$12.77M (deposit + AVD stamp duty HK$1,226,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,844
−HK$4,746/mo
▼ 0.25% · 3.875%
HK$90,200
−HK$2,390/mo
Today · 4.125%
HK$92,590
baseline
▲ 0.50% · 4.625%
HK$97,471
+HK$4,881/mo
Deposit HK$11.54M · loan HK$17.31M · min. income ≈ HK$185,180/mo (50% DSR)
Upfront cash ≈ HK$12.77M (deposit + AVD stamp duty HK$1,226,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,122
−HK$5,777/mo
▼ 0.25% · 3.875%
HK$94,988
−HK$2,911/mo
Today · 4.125%
HK$97,899
baseline
▲ 0.50% · 4.625%
HK$103,856
+HK$5,957/mo
Deposit HK$8.66M · loan HK$20.20M · min. income ≈ HK$195,798/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$1,226,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,485
−HK$5,537/mo
▼ 0.25% · 3.875%
HK$105,234
−HK$2,788/mo
Today · 4.125%
HK$108,022
baseline
▲ 0.50% · 4.625%
HK$113,716
+HK$5,694/mo
Deposit HK$8.66M · loan HK$20.20M · min. income ≈ HK$216,044/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$1,226,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,443
−HK$7,427/mo
▼ 0.25% · 3.875%
HK$122,127
−HK$3,743/mo
Today · 4.125%
HK$125,870
baseline
▲ 0.50% · 4.625%
HK$133,529
+HK$7,659/mo
Deposit HK$2.89M · loan HK$25.97M · min. income ≈ HK$251,740/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$1,226,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,767
−HK$7,119/mo
▼ 0.25% · 3.875%
HK$135,301
−HK$3,585/mo
Today · 4.125%
HK$138,886
baseline
▲ 0.50% · 4.625%
HK$146,206
+HK$7,320/mo
Deposit HK$2.89M · loan HK$25.97M · min. income ≈ HK$277,772/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$1,226,429 · Scale 2, in force from 26 Feb 2026)