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$66,254
−HK$4,155/mo
▼ 0.25% · 3.875%
HK$68,315
−HK$2,094/mo
Today · 4.125%
HK$70,409
baseline
▲ 0.50% · 4.625%
HK$74,693
+HK$4,284/mo
Deposit HK$14.53M · loan HK$14.53M · min. income ≈ HK$140,818/mo (50% DSR)
Upfront cash ≈ HK$15.76M (deposit + AVD stamp duty HK$1,234,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,707
−HK$3,983/mo
▼ 0.25% · 3.875%
HK$75,684
−HK$2,006/mo
Today · 4.125%
HK$77,690
baseline
▲ 0.50% · 4.625%
HK$81,785
+HK$4,095/mo
Deposit HK$14.53M · loan HK$14.53M · min. income ≈ HK$155,380/mo (50% DSR)
Upfront cash ≈ HK$15.76M (deposit + AVD stamp duty HK$1,234,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,505
−HK$4,986/mo
▼ 0.25% · 3.875%
HK$81,978
−HK$2,513/mo
Today · 4.125%
HK$84,491
baseline
▲ 0.50% · 4.625%
HK$89,632
+HK$5,141/mo
Deposit HK$11.62M · loan HK$17.43M · min. income ≈ HK$168,982/mo (50% DSR)
Upfront cash ≈ HK$12.86M (deposit + AVD stamp duty HK$1,234,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,449
−HK$4,778/mo
▼ 0.25% · 3.875%
HK$90,821
−HK$2,406/mo
Today · 4.125%
HK$93,227
baseline
▲ 0.50% · 4.625%
HK$98,142
+HK$4,915/mo
Deposit HK$11.62M · loan HK$17.43M · min. income ≈ HK$186,454/mo (50% DSR)
Upfront cash ≈ HK$12.86M (deposit + AVD stamp duty HK$1,234,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,756
−HK$5,817/mo
▼ 0.25% · 3.875%
HK$95,641
−HK$2,932/mo
Today · 4.125%
HK$98,573
baseline
▲ 0.50% · 4.625%
HK$104,571
+HK$5,998/mo
Deposit HK$8.72M · loan HK$20.34M · min. income ≈ HK$197,146/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$1,234,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,190
−HK$5,575/mo
▼ 0.25% · 3.875%
HK$105,958
−HK$2,807/mo
Today · 4.125%
HK$108,765
baseline
▲ 0.50% · 4.625%
HK$114,499
+HK$5,734/mo
Deposit HK$8.72M · loan HK$20.34M · min. income ≈ HK$217,530/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$1,234,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,258
−HK$7,478/mo
▼ 0.25% · 3.875%
HK$122,968
−HK$3,768/mo
Today · 4.125%
HK$126,736
baseline
▲ 0.50% · 4.625%
HK$134,448
+HK$7,712/mo
Deposit HK$2.91M · loan HK$26.15M · min. income ≈ HK$253,472/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$1,234,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,673
−HK$7,168/mo
▼ 0.25% · 3.875%
HK$136,231
−HK$3,610/mo
Today · 4.125%
HK$139,841
baseline
▲ 0.50% · 4.625%
HK$147,212
+HK$7,371/mo
Deposit HK$2.91M · loan HK$26.15M · min. income ≈ HK$279,682/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$1,234,867 · Scale 2, in force from 26 Feb 2026)