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$63,935
−HK$4,009/mo
▼ 0.25% · 3.875%
HK$65,923
−HK$2,021/mo
Today · 4.125%
HK$67,944
baseline
▲ 0.50% · 4.625%
HK$72,078
+HK$4,134/mo
Deposit HK$14.02M · loan HK$14.02M · min. income ≈ HK$135,888/mo (50% DSR)
Upfront cash ≈ HK$15.21M (deposit + AVD stamp duty HK$1,191,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,127
−HK$3,843/mo
▼ 0.25% · 3.875%
HK$73,034
−HK$1,936/mo
Today · 4.125%
HK$74,970
baseline
▲ 0.50% · 4.625%
HK$78,921
+HK$3,951/mo
Deposit HK$14.02M · loan HK$14.02M · min. income ≈ HK$149,940/mo (50% DSR)
Upfront cash ≈ HK$15.21M (deposit + AVD stamp duty HK$1,191,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,722
−HK$4,811/mo
▼ 0.25% · 3.875%
HK$79,108
−HK$2,425/mo
Today · 4.125%
HK$81,533
baseline
▲ 0.50% · 4.625%
HK$86,494
+HK$4,961/mo
Deposit HK$11.22M · loan HK$16.82M · min. income ≈ HK$163,066/mo (50% DSR)
Upfront cash ≈ HK$12.41M (deposit + AVD stamp duty HK$1,191,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,352
−HK$4,611/mo
▼ 0.25% · 3.875%
HK$87,641
−HK$2,322/mo
Today · 4.125%
HK$89,963
baseline
▲ 0.50% · 4.625%
HK$94,706
+HK$4,743/mo
Deposit HK$11.22M · loan HK$16.82M · min. income ≈ HK$179,926/mo (50% DSR)
Upfront cash ≈ HK$12.41M (deposit + AVD stamp duty HK$1,191,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,509
−HK$5,613/mo
▼ 0.25% · 3.875%
HK$92,293
−HK$2,829/mo
Today · 4.125%
HK$95,122
baseline
▲ 0.50% · 4.625%
HK$100,910
+HK$5,788/mo
Deposit HK$8.41M · loan HK$19.63M · min. income ≈ HK$190,244/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$1,191,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,577
−HK$5,380/mo
▼ 0.25% · 3.875%
HK$102,248
−HK$2,709/mo
Today · 4.125%
HK$104,957
baseline
▲ 0.50% · 4.625%
HK$110,490
+HK$5,533/mo
Deposit HK$8.41M · loan HK$19.63M · min. income ≈ HK$209,914/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$1,191,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,083
−HK$7,216/mo
▼ 0.25% · 3.875%
HK$118,662
−HK$3,637/mo
Today · 4.125%
HK$122,299
baseline
▲ 0.50% · 4.625%
HK$129,741
+HK$7,442/mo
Deposit HK$2.80M · loan HK$25.23M · min. income ≈ HK$244,598/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$1,191,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,028
−HK$6,917/mo
▼ 0.25% · 3.875%
HK$131,462
−HK$3,483/mo
Today · 4.125%
HK$134,945
baseline
▲ 0.50% · 4.625%
HK$142,058
+HK$7,113/mo
Deposit HK$2.80M · loan HK$25.23M · min. income ≈ HK$269,890/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$1,191,632 · Scale 2, in force from 26 Feb 2026)