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$64,214
−HK$4,027/mo
▼ 0.25% · 3.875%
HK$66,212
−HK$2,029/mo
Today · 4.125%
HK$68,241
baseline
▲ 0.50% · 4.625%
HK$72,394
+HK$4,153/mo
Deposit HK$14.08M · loan HK$14.08M · min. income ≈ HK$136,482/mo (50% DSR)
Upfront cash ≈ HK$15.28M (deposit + AVD stamp duty HK$1,196,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,438
−HK$3,860/mo
▼ 0.25% · 3.875%
HK$73,354
−HK$1,944/mo
Today · 4.125%
HK$75,298
baseline
▲ 0.50% · 4.625%
HK$79,267
+HK$3,969/mo
Deposit HK$14.08M · loan HK$14.08M · min. income ≈ HK$150,596/mo (50% DSR)
Upfront cash ≈ HK$15.28M (deposit + AVD stamp duty HK$1,196,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,057
−HK$4,833/mo
▼ 0.25% · 3.875%
HK$79,454
−HK$2,436/mo
Today · 4.125%
HK$81,890
baseline
▲ 0.50% · 4.625%
HK$86,872
+HK$4,982/mo
Deposit HK$11.26M · loan HK$16.90M · min. income ≈ HK$163,780/mo (50% DSR)
Upfront cash ≈ HK$12.46M (deposit + AVD stamp duty HK$1,196,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,726
−HK$4,631/mo
▼ 0.25% · 3.875%
HK$88,025
−HK$2,332/mo
Today · 4.125%
HK$90,357
baseline
▲ 0.50% · 4.625%
HK$95,120
+HK$4,763/mo
Deposit HK$11.26M · loan HK$16.90M · min. income ≈ HK$180,714/mo (50% DSR)
Upfront cash ≈ HK$12.46M (deposit + AVD stamp duty HK$1,196,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,900
−HK$5,638/mo
▼ 0.25% · 3.875%
HK$92,697
−HK$2,841/mo
Today · 4.125%
HK$95,538
baseline
▲ 0.50% · 4.625%
HK$101,351
+HK$5,813/mo
Deposit HK$8.45M · loan HK$19.71M · min. income ≈ HK$191,076/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$1,196,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,013
−HK$5,404/mo
▼ 0.25% · 3.875%
HK$102,695
−HK$2,722/mo
Today · 4.125%
HK$105,417
baseline
▲ 0.50% · 4.625%
HK$110,973
+HK$5,556/mo
Deposit HK$8.45M · loan HK$19.71M · min. income ≈ HK$210,834/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$1,196,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,586
−HK$7,248/mo
▼ 0.25% · 3.875%
HK$119,181
−HK$3,653/mo
Today · 4.125%
HK$122,834
baseline
▲ 0.50% · 4.625%
HK$130,309
+HK$7,475/mo
Deposit HK$2.82M · loan HK$25.34M · min. income ≈ HK$245,668/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$1,196,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,588
−HK$6,948/mo
▼ 0.25% · 3.875%
HK$132,037
−HK$3,499/mo
Today · 4.125%
HK$135,536
baseline
▲ 0.50% · 4.625%
HK$142,680
+HK$7,144/mo
Deposit HK$2.82M · loan HK$25.34M · min. income ≈ HK$271,072/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$1,196,846 · Scale 2, in force from 26 Feb 2026)