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$65,940
−HK$4,135/mo
▼ 0.25% · 3.875%
HK$67,991
−HK$2,084/mo
Today · 4.125%
HK$70,075
baseline
▲ 0.50% · 4.625%
HK$74,339
+HK$4,264/mo
Deposit HK$14.46M · loan HK$14.46M · min. income ≈ HK$140,150/mo (50% DSR)
Upfront cash ≈ HK$15.69M (deposit + AVD stamp duty HK$1,229,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,358
−HK$3,963/mo
▼ 0.25% · 3.875%
HK$75,325
−HK$1,996/mo
Today · 4.125%
HK$77,321
baseline
▲ 0.50% · 4.625%
HK$81,397
+HK$4,076/mo
Deposit HK$14.46M · loan HK$14.46M · min. income ≈ HK$154,642/mo (50% DSR)
Upfront cash ≈ HK$15.69M (deposit + AVD stamp duty HK$1,229,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,128
−HK$4,962/mo
▼ 0.25% · 3.875%
HK$81,590
−HK$2,500/mo
Today · 4.125%
HK$84,090
baseline
▲ 0.50% · 4.625%
HK$89,207
+HK$5,117/mo
Deposit HK$11.57M · loan HK$17.35M · min. income ≈ HK$168,180/mo (50% DSR)
Upfront cash ≈ HK$12.80M (deposit + AVD stamp duty HK$1,229,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,029
−HK$4,756/mo
▼ 0.25% · 3.875%
HK$90,390
−HK$2,395/mo
Today · 4.125%
HK$92,785
baseline
▲ 0.50% · 4.625%
HK$97,676
+HK$4,891/mo
Deposit HK$11.57M · loan HK$17.35M · min. income ≈ HK$185,570/mo (50% DSR)
Upfront cash ≈ HK$12.80M (deposit + AVD stamp duty HK$1,229,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,316
−HK$5,789/mo
▼ 0.25% · 3.875%
HK$95,188
−HK$2,917/mo
Today · 4.125%
HK$98,105
baseline
▲ 0.50% · 4.625%
HK$104,075
+HK$5,970/mo
Deposit HK$8.68M · loan HK$20.24M · min. income ≈ HK$196,210/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$1,229,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,701
−HK$5,549/mo
▼ 0.25% · 3.875%
HK$105,455
−HK$2,795/mo
Today · 4.125%
HK$108,250
baseline
▲ 0.50% · 4.625%
HK$113,956
+HK$5,706/mo
Deposit HK$8.68M · loan HK$20.24M · min. income ≈ HK$216,500/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$1,229,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,693
−HK$7,443/mo
▼ 0.25% · 3.875%
HK$122,385
−HK$3,751/mo
Today · 4.125%
HK$126,136
baseline
▲ 0.50% · 4.625%
HK$133,811
+HK$7,675/mo
Deposit HK$2.89M · loan HK$26.03M · min. income ≈ HK$252,272/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$1,229,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,044
−HK$7,134/mo
▼ 0.25% · 3.875%
HK$135,586
−HK$3,592/mo
Today · 4.125%
HK$139,178
baseline
▲ 0.50% · 4.625%
HK$146,514
+HK$7,336/mo
Deposit HK$2.89M · loan HK$26.03M · min. income ≈ HK$278,356/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$1,229,012 · Scale 2, in force from 26 Feb 2026)