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$64,583
−HK$4,050/mo
▼ 0.25% · 3.875%
HK$66,592
−HK$2,041/mo
Today · 4.125%
HK$68,633
baseline
▲ 0.50% · 4.625%
HK$72,809
+HK$4,176/mo
Deposit HK$14.16M · loan HK$14.16M · min. income ≈ HK$137,266/mo (50% DSR)
Upfront cash ≈ HK$15.36M (deposit + AVD stamp duty HK$1,203,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,848
−HK$3,881/mo
▼ 0.25% · 3.875%
HK$73,774
−HK$1,955/mo
Today · 4.125%
HK$75,729
baseline
▲ 0.50% · 4.625%
HK$79,721
+HK$3,992/mo
Deposit HK$14.16M · loan HK$14.16M · min. income ≈ HK$151,458/mo (50% DSR)
Upfront cash ≈ HK$15.36M (deposit + AVD stamp duty HK$1,203,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,499
−HK$4,860/mo
▼ 0.25% · 3.875%
HK$79,910
−HK$2,449/mo
Today · 4.125%
HK$82,359
baseline
▲ 0.50% · 4.625%
HK$87,370
+HK$5,011/mo
Deposit HK$11.33M · loan HK$16.99M · min. income ≈ HK$164,718/mo (50% DSR)
Upfront cash ≈ HK$12.53M (deposit + AVD stamp duty HK$1,203,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,217
−HK$4,658/mo
▼ 0.25% · 3.875%
HK$88,529
−HK$2,346/mo
Today · 4.125%
HK$90,875
baseline
▲ 0.50% · 4.625%
HK$95,665
+HK$4,790/mo
Deposit HK$11.33M · loan HK$16.99M · min. income ≈ HK$181,750/mo (50% DSR)
Upfront cash ≈ HK$12.53M (deposit + AVD stamp duty HK$1,203,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,416
−HK$5,670/mo
▼ 0.25% · 3.875%
HK$93,228
−HK$2,858/mo
Today · 4.125%
HK$96,086
baseline
▲ 0.50% · 4.625%
HK$101,932
+HK$5,846/mo
Deposit HK$8.50M · loan HK$19.83M · min. income ≈ HK$192,172/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$1,203,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,587
−HK$5,434/mo
▼ 0.25% · 3.875%
HK$103,284
−HK$2,737/mo
Today · 4.125%
HK$106,021
baseline
▲ 0.50% · 4.625%
HK$111,609
+HK$5,588/mo
Deposit HK$8.50M · loan HK$19.83M · min. income ≈ HK$212,042/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$1,203,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,249
−HK$7,290/mo
▼ 0.25% · 3.875%
HK$119,865
−HK$3,674/mo
Today · 4.125%
HK$123,539
baseline
▲ 0.50% · 4.625%
HK$131,056
+HK$7,517/mo
Deposit HK$2.83M · loan HK$25.49M · min. income ≈ HK$247,078/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$1,203,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,326
−HK$6,987/mo
▼ 0.25% · 3.875%
HK$132,794
−HK$3,519/mo
Today · 4.125%
HK$136,313
baseline
▲ 0.50% · 4.625%
HK$143,498
+HK$7,185/mo
Deposit HK$2.83M · loan HK$25.49M · min. income ≈ HK$272,626/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$1,203,709 · Scale 2, in force from 26 Feb 2026)