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$65,262
−HK$4,093/mo
▼ 0.25% · 3.875%
HK$67,292
−HK$2,063/mo
Today · 4.125%
HK$69,355
baseline
▲ 0.50% · 4.625%
HK$73,575
+HK$4,220/mo
Deposit HK$14.31M · loan HK$14.31M · min. income ≈ HK$138,710/mo (50% DSR)
Upfront cash ≈ HK$15.53M (deposit + AVD stamp duty HK$1,216,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,604
−HK$3,922/mo
▼ 0.25% · 3.875%
HK$74,551
−HK$1,975/mo
Today · 4.125%
HK$76,526
baseline
▲ 0.50% · 4.625%
HK$80,560
+HK$4,034/mo
Deposit HK$14.31M · loan HK$14.31M · min. income ≈ HK$153,052/mo (50% DSR)
Upfront cash ≈ HK$15.53M (deposit + AVD stamp duty HK$1,216,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,315
−HK$4,911/mo
▼ 0.25% · 3.875%
HK$80,751
−HK$2,475/mo
Today · 4.125%
HK$83,226
baseline
▲ 0.50% · 4.625%
HK$88,290
+HK$5,064/mo
Deposit HK$11.45M · loan HK$17.17M · min. income ≈ HK$166,452/mo (50% DSR)
Upfront cash ≈ HK$12.66M (deposit + AVD stamp duty HK$1,216,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,124
−HK$4,707/mo
▼ 0.25% · 3.875%
HK$89,461
−HK$2,370/mo
Today · 4.125%
HK$91,831
baseline
▲ 0.50% · 4.625%
HK$96,672
+HK$4,841/mo
Deposit HK$11.45M · loan HK$17.17M · min. income ≈ HK$183,662/mo (50% DSR)
Upfront cash ≈ HK$12.66M (deposit + AVD stamp duty HK$1,216,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,367
−HK$5,730/mo
▼ 0.25% · 3.875%
HK$94,209
−HK$2,888/mo
Today · 4.125%
HK$97,097
baseline
▲ 0.50% · 4.625%
HK$103,005
+HK$5,908/mo
Deposit HK$8.59M · loan HK$20.03M · min. income ≈ HK$194,194/mo (50% DSR)
Upfront cash ≈ HK$9.80M (deposit + AVD stamp duty HK$1,216,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,645
−HK$5,492/mo
▼ 0.25% · 3.875%
HK$104,371
−HK$2,766/mo
Today · 4.125%
HK$107,137
baseline
▲ 0.50% · 4.625%
HK$112,784
+HK$5,647/mo
Deposit HK$8.59M · loan HK$20.03M · min. income ≈ HK$214,274/mo (50% DSR)
Upfront cash ≈ HK$9.80M (deposit + AVD stamp duty HK$1,216,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,472
−HK$7,367/mo
▼ 0.25% · 3.875%
HK$121,126
−HK$3,713/mo
Today · 4.125%
HK$124,839
baseline
▲ 0.50% · 4.625%
HK$132,435
+HK$7,596/mo
Deposit HK$2.86M · loan HK$25.76M · min. income ≈ HK$249,678/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$1,216,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,687
−HK$7,060/mo
▼ 0.25% · 3.875%
HK$134,192
−HK$3,555/mo
Today · 4.125%
HK$137,747
baseline
▲ 0.50% · 4.625%
HK$145,008
+HK$7,261/mo
Deposit HK$2.86M · loan HK$25.76M · min. income ≈ HK$275,494/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$1,216,376 · Scale 2, in force from 26 Feb 2026)