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$64,096
−HK$4,019/mo
▼ 0.25% · 3.875%
HK$66,089
−HK$2,026/mo
Today · 4.125%
HK$68,115
baseline
▲ 0.50% · 4.625%
HK$72,260
+HK$4,145/mo
Deposit HK$14.05M · loan HK$14.05M · min. income ≈ HK$136,230/mo (50% DSR)
Upfront cash ≈ HK$15.25M (deposit + AVD stamp duty HK$1,194,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,306
−HK$3,852/mo
▼ 0.25% · 3.875%
HK$73,218
−HK$1,940/mo
Today · 4.125%
HK$75,158
baseline
▲ 0.50% · 4.625%
HK$79,120
+HK$3,962/mo
Deposit HK$14.05M · loan HK$14.05M · min. income ≈ HK$150,316/mo (50% DSR)
Upfront cash ≈ HK$15.25M (deposit + AVD stamp duty HK$1,194,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,915
−HK$4,823/mo
▼ 0.25% · 3.875%
HK$79,307
−HK$2,431/mo
Today · 4.125%
HK$81,738
baseline
▲ 0.50% · 4.625%
HK$86,712
+HK$4,974/mo
Deposit HK$11.24M · loan HK$16.87M · min. income ≈ HK$163,476/mo (50% DSR)
Upfront cash ≈ HK$12.44M (deposit + AVD stamp duty HK$1,194,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,567
−HK$4,623/mo
▼ 0.25% · 3.875%
HK$87,862
−HK$2,328/mo
Today · 4.125%
HK$90,190
baseline
▲ 0.50% · 4.625%
HK$94,944
+HK$4,754/mo
Deposit HK$11.24M · loan HK$16.87M · min. income ≈ HK$180,380/mo (50% DSR)
Upfront cash ≈ HK$12.44M (deposit + AVD stamp duty HK$1,194,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,734
−HK$5,627/mo
▼ 0.25% · 3.875%
HK$92,525
−HK$2,836/mo
Today · 4.125%
HK$95,361
baseline
▲ 0.50% · 4.625%
HK$101,164
+HK$5,803/mo
Deposit HK$8.43M · loan HK$19.68M · min. income ≈ HK$190,722/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$1,194,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,828
−HK$5,394/mo
▼ 0.25% · 3.875%
HK$102,506
−HK$2,716/mo
Today · 4.125%
HK$105,222
baseline
▲ 0.50% · 4.625%
HK$110,768
+HK$5,546/mo
Deposit HK$8.43M · loan HK$19.68M · min. income ≈ HK$210,444/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$1,194,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,372
−HK$7,235/mo
▼ 0.25% · 3.875%
HK$118,961
−HK$3,646/mo
Today · 4.125%
HK$122,607
baseline
▲ 0.50% · 4.625%
HK$130,068
+HK$7,461/mo
Deposit HK$2.81M · loan HK$25.30M · min. income ≈ HK$245,214/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$1,194,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,351
−HK$6,934/mo
▼ 0.25% · 3.875%
HK$131,793
−HK$3,492/mo
Today · 4.125%
HK$135,285
baseline
▲ 0.50% · 4.625%
HK$142,416
+HK$7,131/mo
Deposit HK$2.81M · loan HK$25.30M · min. income ≈ HK$270,570/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$1,194,633 · Scale 2, in force from 26 Feb 2026)