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$63,905
−HK$4,007/mo
▼ 0.25% · 3.875%
HK$65,893
−HK$2,019/mo
Today · 4.125%
HK$67,912
baseline
▲ 0.50% · 4.625%
HK$72,045
+HK$4,133/mo
Deposit HK$14.01M · loan HK$14.01M · min. income ≈ HK$135,824/mo (50% DSR)
Upfront cash ≈ HK$15.20M (deposit + AVD stamp duty HK$1,191,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,094
−HK$3,841/mo
▼ 0.25% · 3.875%
HK$73,000
−HK$1,935/mo
Today · 4.125%
HK$74,935
baseline
▲ 0.50% · 4.625%
HK$78,885
+HK$3,950/mo
Deposit HK$14.01M · loan HK$14.01M · min. income ≈ HK$149,870/mo (50% DSR)
Upfront cash ≈ HK$15.20M (deposit + AVD stamp duty HK$1,191,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,686
−HK$4,809/mo
▼ 0.25% · 3.875%
HK$79,071
−HK$2,424/mo
Today · 4.125%
HK$81,495
baseline
▲ 0.50% · 4.625%
HK$86,454
+HK$4,959/mo
Deposit HK$11.21M · loan HK$16.82M · min. income ≈ HK$162,990/mo (50% DSR)
Upfront cash ≈ HK$12.40M (deposit + AVD stamp duty HK$1,191,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,312
−HK$4,610/mo
▼ 0.25% · 3.875%
HK$87,600
−HK$2,322/mo
Today · 4.125%
HK$89,922
baseline
▲ 0.50% · 4.625%
HK$94,661
+HK$4,739/mo
Deposit HK$11.21M · loan HK$16.82M · min. income ≈ HK$179,844/mo (50% DSR)
Upfront cash ≈ HK$12.40M (deposit + AVD stamp duty HK$1,191,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,467
−HK$5,610/mo
▼ 0.25% · 3.875%
HK$92,250
−HK$2,827/mo
Today · 4.125%
HK$95,077
baseline
▲ 0.50% · 4.625%
HK$100,863
+HK$5,786/mo
Deposit HK$8.41M · loan HK$19.62M · min. income ≈ HK$190,154/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$1,191,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,531
−HK$5,378/mo
▼ 0.25% · 3.875%
HK$102,201
−HK$2,708/mo
Today · 4.125%
HK$104,909
baseline
▲ 0.50% · 4.625%
HK$110,438
+HK$5,529/mo
Deposit HK$8.41M · loan HK$19.62M · min. income ≈ HK$209,818/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$1,191,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,029
−HK$7,213/mo
▼ 0.25% · 3.875%
HK$118,607
−HK$3,635/mo
Today · 4.125%
HK$122,242
baseline
▲ 0.50% · 4.625%
HK$129,681
+HK$7,439/mo
Deposit HK$2.80M · loan HK$25.22M · min. income ≈ HK$244,484/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$1,191,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,969
−HK$6,913/mo
▼ 0.25% · 3.875%
HK$131,401
−HK$3,481/mo
Today · 4.125%
HK$134,882
baseline
▲ 0.50% · 4.625%
HK$141,992
+HK$7,110/mo
Deposit HK$2.80M · loan HK$25.22M · min. income ≈ HK$269,764/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$1,191,078 · Scale 2, in force from 26 Feb 2026)