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$64,921
−HK$4,071/mo
▼ 0.25% · 3.875%
HK$66,940
−HK$2,052/mo
Today · 4.125%
HK$68,992
baseline
▲ 0.50% · 4.625%
HK$73,190
+HK$4,198/mo
Deposit HK$14.24M · loan HK$14.24M · min. income ≈ HK$137,984/mo (50% DSR)
Upfront cash ≈ HK$15.45M (deposit + AVD stamp duty HK$1,210,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,224
−HK$3,902/mo
▼ 0.25% · 3.875%
HK$74,161
−HK$1,965/mo
Today · 4.125%
HK$76,126
baseline
▲ 0.50% · 4.625%
HK$80,138
+HK$4,012/mo
Deposit HK$14.24M · loan HK$14.24M · min. income ≈ HK$152,252/mo (50% DSR)
Upfront cash ≈ HK$15.45M (deposit + AVD stamp duty HK$1,210,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,905
−HK$4,885/mo
▼ 0.25% · 3.875%
HK$80,328
−HK$2,462/mo
Today · 4.125%
HK$82,790
baseline
▲ 0.50% · 4.625%
HK$87,828
+HK$5,038/mo
Deposit HK$11.39M · loan HK$17.08M · min. income ≈ HK$165,580/mo (50% DSR)
Upfront cash ≈ HK$12.60M (deposit + AVD stamp duty HK$1,210,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,668
−HK$4,683/mo
▼ 0.25% · 3.875%
HK$88,993
−HK$2,358/mo
Today · 4.125%
HK$91,351
baseline
▲ 0.50% · 4.625%
HK$96,166
+HK$4,815/mo
Deposit HK$11.39M · loan HK$17.08M · min. income ≈ HK$182,702/mo (50% DSR)
Upfront cash ≈ HK$12.60M (deposit + AVD stamp duty HK$1,210,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,889
−HK$5,700/mo
▼ 0.25% · 3.875%
HK$93,716
−HK$2,873/mo
Today · 4.125%
HK$96,589
baseline
▲ 0.50% · 4.625%
HK$102,466
+HK$5,877/mo
Deposit HK$8.54M · loan HK$19.93M · min. income ≈ HK$193,178/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$1,210,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,113
−HK$5,463/mo
▼ 0.25% · 3.875%
HK$103,825
−HK$2,751/mo
Today · 4.125%
HK$106,576
baseline
▲ 0.50% · 4.625%
HK$112,194
+HK$5,618/mo
Deposit HK$8.54M · loan HK$19.93M · min. income ≈ HK$213,152/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$1,210,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,857
−HK$7,328/mo
▼ 0.25% · 3.875%
HK$120,492
−HK$3,693/mo
Today · 4.125%
HK$124,185
baseline
▲ 0.50% · 4.625%
HK$131,742
+HK$7,557/mo
Deposit HK$2.85M · loan HK$25.62M · min. income ≈ HK$248,370/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$1,210,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,003
−HK$7,023/mo
▼ 0.25% · 3.875%
HK$133,489
−HK$3,537/mo
Today · 4.125%
HK$137,026
baseline
▲ 0.50% · 4.625%
HK$144,249
+HK$7,223/mo
Deposit HK$2.85M · loan HK$25.62M · min. income ≈ HK$274,052/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$1,210,010 · Scale 2, in force from 26 Feb 2026)