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$65,129
−HK$4,084/mo
▼ 0.25% · 3.875%
HK$67,155
−HK$2,058/mo
Today · 4.125%
HK$69,213
baseline
▲ 0.50% · 4.625%
HK$73,425
+HK$4,212/mo
Deposit HK$14.28M · loan HK$14.28M · min. income ≈ HK$138,426/mo (50% DSR)
Upfront cash ≈ HK$15.50M (deposit + AVD stamp duty HK$1,213,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,456
−HK$3,914/mo
▼ 0.25% · 3.875%
HK$74,399
−HK$1,971/mo
Today · 4.125%
HK$76,370
baseline
▲ 0.50% · 4.625%
HK$80,396
+HK$4,026/mo
Deposit HK$14.28M · loan HK$14.28M · min. income ≈ HK$152,740/mo (50% DSR)
Upfront cash ≈ HK$15.50M (deposit + AVD stamp duty HK$1,213,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,155
−HK$4,901/mo
▼ 0.25% · 3.875%
HK$80,586
−HK$2,470/mo
Today · 4.125%
HK$83,056
baseline
▲ 0.50% · 4.625%
HK$88,110
+HK$5,054/mo
Deposit HK$11.42M · loan HK$17.14M · min. income ≈ HK$166,112/mo (50% DSR)
Upfront cash ≈ HK$12.64M (deposit + AVD stamp duty HK$1,213,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,947
−HK$4,697/mo
▼ 0.25% · 3.875%
HK$89,279
−HK$2,365/mo
Today · 4.125%
HK$91,644
baseline
▲ 0.50% · 4.625%
HK$96,475
+HK$4,831/mo
Deposit HK$11.42M · loan HK$17.14M · min. income ≈ HK$183,288/mo (50% DSR)
Upfront cash ≈ HK$12.64M (deposit + AVD stamp duty HK$1,213,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,181
−HK$5,718/mo
▼ 0.25% · 3.875%
HK$94,017
−HK$2,882/mo
Today · 4.125%
HK$96,899
baseline
▲ 0.50% · 4.625%
HK$102,795
+HK$5,896/mo
Deposit HK$8.57M · loan HK$19.99M · min. income ≈ HK$193,798/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$1,213,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,438
−HK$5,480/mo
▼ 0.25% · 3.875%
HK$104,158
−HK$2,760/mo
Today · 4.125%
HK$106,918
baseline
▲ 0.50% · 4.625%
HK$112,554
+HK$5,636/mo
Deposit HK$8.57M · loan HK$19.99M · min. income ≈ HK$213,836/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$1,213,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,233
−HK$7,351/mo
▼ 0.25% · 3.875%
HK$120,879
−HK$3,705/mo
Today · 4.125%
HK$124,584
baseline
▲ 0.50% · 4.625%
HK$132,165
+HK$7,581/mo
Deposit HK$2.86M · loan HK$25.71M · min. income ≈ HK$249,168/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$1,213,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,420
−HK$7,046/mo
▼ 0.25% · 3.875%
HK$133,918
−HK$3,548/mo
Today · 4.125%
HK$137,466
baseline
▲ 0.50% · 4.625%
HK$144,712
+HK$7,246/mo
Deposit HK$2.86M · loan HK$25.71M · min. income ≈ HK$274,932/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$1,213,897 · Scale 2, in force from 26 Feb 2026)