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$64,667
−HK$4,055/mo
▼ 0.25% · 3.875%
HK$66,678
−HK$2,044/mo
Today · 4.125%
HK$68,722
baseline
▲ 0.50% · 4.625%
HK$72,903
+HK$4,181/mo
Deposit HK$14.18M · loan HK$14.18M · min. income ≈ HK$137,444/mo (50% DSR)
Upfront cash ≈ HK$15.38M (deposit + AVD stamp duty HK$1,205,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,941
−HK$3,887/mo
▼ 0.25% · 3.875%
HK$73,870
−HK$1,958/mo
Today · 4.125%
HK$75,828
baseline
▲ 0.50% · 4.625%
HK$79,825
+HK$3,997/mo
Deposit HK$14.18M · loan HK$14.18M · min. income ≈ HK$151,656/mo (50% DSR)
Upfront cash ≈ HK$15.38M (deposit + AVD stamp duty HK$1,205,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,600
−HK$4,866/mo
▼ 0.25% · 3.875%
HK$80,014
−HK$2,452/mo
Today · 4.125%
HK$82,466
baseline
▲ 0.50% · 4.625%
HK$87,484
+HK$5,018/mo
Deposit HK$11.34M · loan HK$17.02M · min. income ≈ HK$164,932/mo (50% DSR)
Upfront cash ≈ HK$12.55M (deposit + AVD stamp duty HK$1,205,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,329
−HK$4,664/mo
▼ 0.25% · 3.875%
HK$88,644
−HK$2,349/mo
Today · 4.125%
HK$90,993
baseline
▲ 0.50% · 4.625%
HK$95,789
+HK$4,796/mo
Deposit HK$11.34M · loan HK$17.02M · min. income ≈ HK$181,986/mo (50% DSR)
Upfront cash ≈ HK$12.55M (deposit + AVD stamp duty HK$1,205,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,533
−HK$5,677/mo
▼ 0.25% · 3.875%
HK$93,349
−HK$2,861/mo
Today · 4.125%
HK$96,210
baseline
▲ 0.50% · 4.625%
HK$102,065
+HK$5,855/mo
Deposit HK$8.51M · loan HK$19.85M · min. income ≈ HK$192,420/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$1,205,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,717
−HK$5,442/mo
▼ 0.25% · 3.875%
HK$103,418
−HK$2,741/mo
Today · 4.125%
HK$106,159
baseline
▲ 0.50% · 4.625%
HK$111,754
+HK$5,595/mo
Deposit HK$8.51M · loan HK$19.85M · min. income ≈ HK$212,318/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$1,205,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,400
−HK$7,299/mo
▼ 0.25% · 3.875%
HK$120,020
−HK$3,679/mo
Today · 4.125%
HK$123,699
baseline
▲ 0.50% · 4.625%
HK$131,226
+HK$7,527/mo
Deposit HK$2.84M · loan HK$25.52M · min. income ≈ HK$247,398/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$1,205,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,494
−HK$6,996/mo
▼ 0.25% · 3.875%
HK$132,966
−HK$3,524/mo
Today · 4.125%
HK$136,490
baseline
▲ 0.50% · 4.625%
HK$143,684
+HK$7,194/mo
Deposit HK$2.84M · loan HK$25.52M · min. income ≈ HK$272,980/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$1,205,272 · Scale 2, in force from 26 Feb 2026)