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$64,382
−HK$4,037/mo
▼ 0.25% · 3.875%
HK$66,385
−HK$2,034/mo
Today · 4.125%
HK$68,419
baseline
▲ 0.50% · 4.625%
HK$72,583
+HK$4,164/mo
Deposit HK$14.12M · loan HK$14.12M · min. income ≈ HK$136,838/mo (50% DSR)
Upfront cash ≈ HK$15.32M (deposit + AVD stamp duty HK$1,199,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,624
−HK$3,870/mo
▼ 0.25% · 3.875%
HK$73,545
−HK$1,949/mo
Today · 4.125%
HK$75,494
baseline
▲ 0.50% · 4.625%
HK$79,474
+HK$3,980/mo
Deposit HK$14.12M · loan HK$14.12M · min. income ≈ HK$150,988/mo (50% DSR)
Upfront cash ≈ HK$15.32M (deposit + AVD stamp duty HK$1,199,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,259
−HK$4,844/mo
▼ 0.25% · 3.875%
HK$79,662
−HK$2,441/mo
Today · 4.125%
HK$82,103
baseline
▲ 0.50% · 4.625%
HK$87,099
+HK$4,996/mo
Deposit HK$11.29M · loan HK$16.94M · min. income ≈ HK$164,206/mo (50% DSR)
Upfront cash ≈ HK$12.49M (deposit + AVD stamp duty HK$1,199,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,949
−HK$4,644/mo
▼ 0.25% · 3.875%
HK$88,255
−HK$2,338/mo
Today · 4.125%
HK$90,593
baseline
▲ 0.50% · 4.625%
HK$95,368
+HK$4,775/mo
Deposit HK$11.29M · loan HK$16.94M · min. income ≈ HK$181,186/mo (50% DSR)
Upfront cash ≈ HK$12.49M (deposit + AVD stamp duty HK$1,199,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,135
−HK$5,652/mo
▼ 0.25% · 3.875%
HK$92,939
−HK$2,848/mo
Today · 4.125%
HK$95,787
baseline
▲ 0.50% · 4.625%
HK$101,616
+HK$5,829/mo
Deposit HK$8.47M · loan HK$19.76M · min. income ≈ HK$191,574/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$1,199,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,274
−HK$5,418/mo
▼ 0.25% · 3.875%
HK$102,964
−HK$2,728/mo
Today · 4.125%
HK$105,692
baseline
▲ 0.50% · 4.625%
HK$111,263
+HK$5,571/mo
Deposit HK$8.47M · loan HK$19.76M · min. income ≈ HK$211,384/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$1,199,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,888
−HK$7,267/mo
▼ 0.25% · 3.875%
HK$119,493
−HK$3,662/mo
Today · 4.125%
HK$123,155
baseline
▲ 0.50% · 4.625%
HK$130,649
+HK$7,494/mo
Deposit HK$2.82M · loan HK$25.41M · min. income ≈ HK$246,310/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$1,199,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,924
−HK$6,965/mo
▼ 0.25% · 3.875%
HK$132,382
−HK$3,507/mo
Today · 4.125%
HK$135,889
baseline
▲ 0.50% · 4.625%
HK$143,052
+HK$7,163/mo
Deposit HK$2.82M · loan HK$25.41M · min. income ≈ HK$271,778/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$1,199,971 · Scale 2, in force from 26 Feb 2026)