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$65,267
−HK$4,093/mo
▼ 0.25% · 3.875%
HK$67,297
−HK$2,063/mo
Today · 4.125%
HK$69,360
baseline
▲ 0.50% · 4.625%
HK$73,581
+HK$4,221/mo
Deposit HK$14.31M · loan HK$14.31M · min. income ≈ HK$138,720/mo (50% DSR)
Upfront cash ≈ HK$15.53M (deposit + AVD stamp duty HK$1,216,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,609
−HK$3,923/mo
▼ 0.25% · 3.875%
HK$74,557
−HK$1,975/mo
Today · 4.125%
HK$76,532
baseline
▲ 0.50% · 4.625%
HK$80,566
+HK$4,034/mo
Deposit HK$14.31M · loan HK$14.31M · min. income ≈ HK$153,064/mo (50% DSR)
Upfront cash ≈ HK$15.53M (deposit + AVD stamp duty HK$1,216,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,321
−HK$4,911/mo
▼ 0.25% · 3.875%
HK$80,757
−HK$2,475/mo
Today · 4.125%
HK$83,232
baseline
▲ 0.50% · 4.625%
HK$88,297
+HK$5,065/mo
Deposit HK$11.45M · loan HK$17.17M · min. income ≈ HK$166,464/mo (50% DSR)
Upfront cash ≈ HK$12.67M (deposit + AVD stamp duty HK$1,216,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,131
−HK$4,707/mo
▼ 0.25% · 3.875%
HK$89,468
−HK$2,370/mo
Today · 4.125%
HK$91,838
baseline
▲ 0.50% · 4.625%
HK$96,679
+HK$4,841/mo
Deposit HK$11.45M · loan HK$17.17M · min. income ≈ HK$183,676/mo (50% DSR)
Upfront cash ≈ HK$12.67M (deposit + AVD stamp duty HK$1,216,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,374
−HK$5,730/mo
▼ 0.25% · 3.875%
HK$94,216
−HK$2,888/mo
Today · 4.125%
HK$97,104
baseline
▲ 0.50% · 4.625%
HK$103,013
+HK$5,909/mo
Deposit HK$8.59M · loan HK$20.04M · min. income ≈ HK$194,208/mo (50% DSR)
Upfront cash ≈ HK$9.80M (deposit + AVD stamp duty HK$1,216,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,653
−HK$5,492/mo
▼ 0.25% · 3.875%
HK$104,379
−HK$2,766/mo
Today · 4.125%
HK$107,145
baseline
▲ 0.50% · 4.625%
HK$112,793
+HK$5,648/mo
Deposit HK$8.59M · loan HK$20.04M · min. income ≈ HK$214,290/mo (50% DSR)
Upfront cash ≈ HK$9.80M (deposit + AVD stamp duty HK$1,216,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,481
−HK$7,367/mo
▼ 0.25% · 3.875%
HK$121,135
−HK$3,713/mo
Today · 4.125%
HK$124,848
baseline
▲ 0.50% · 4.625%
HK$132,445
+HK$7,597/mo
Deposit HK$2.86M · loan HK$25.76M · min. income ≈ HK$249,696/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$1,216,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,697
−HK$7,061/mo
▼ 0.25% · 3.875%
HK$134,202
−HK$3,556/mo
Today · 4.125%
HK$137,758
baseline
▲ 0.50% · 4.625%
HK$145,019
+HK$7,261/mo
Deposit HK$2.86M · loan HK$25.76M · min. income ≈ HK$275,516/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$1,216,469 · Scale 2, in force from 26 Feb 2026)