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$64,125
−HK$4,021/mo
▼ 0.25% · 3.875%
HK$66,120
−HK$2,026/mo
Today · 4.125%
HK$68,146
baseline
▲ 0.50% · 4.625%
HK$72,293
+HK$4,147/mo
Deposit HK$14.06M · loan HK$14.06M · min. income ≈ HK$136,292/mo (50% DSR)
Upfront cash ≈ HK$15.26M (deposit + AVD stamp duty HK$1,195,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,339
−HK$3,854/mo
▼ 0.25% · 3.875%
HK$73,252
−HK$1,941/mo
Today · 4.125%
HK$75,193
baseline
▲ 0.50% · 4.625%
HK$79,156
+HK$3,963/mo
Deposit HK$14.06M · loan HK$14.06M · min. income ≈ HK$150,386/mo (50% DSR)
Upfront cash ≈ HK$15.26M (deposit + AVD stamp duty HK$1,195,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,950
−HK$4,826/mo
▼ 0.25% · 3.875%
HK$79,344
−HK$2,432/mo
Today · 4.125%
HK$81,776
baseline
▲ 0.50% · 4.625%
HK$86,752
+HK$4,976/mo
Deposit HK$11.25M · loan HK$16.87M · min. income ≈ HK$163,552/mo (50% DSR)
Upfront cash ≈ HK$12.44M (deposit + AVD stamp duty HK$1,195,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,606
−HK$4,625/mo
▼ 0.25% · 3.875%
HK$87,902
−HK$2,329/mo
Today · 4.125%
HK$90,231
baseline
▲ 0.50% · 4.625%
HK$94,988
+HK$4,757/mo
Deposit HK$11.25M · loan HK$16.87M · min. income ≈ HK$180,462/mo (50% DSR)
Upfront cash ≈ HK$12.44M (deposit + AVD stamp duty HK$1,195,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,775
−HK$5,630/mo
▼ 0.25% · 3.875%
HK$92,568
−HK$2,837/mo
Today · 4.125%
HK$95,405
baseline
▲ 0.50% · 4.625%
HK$101,210
+HK$5,805/mo
Deposit HK$8.44M · loan HK$19.69M · min. income ≈ HK$190,810/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$1,195,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,874
−HK$5,396/mo
▼ 0.25% · 3.875%
HK$102,553
−HK$2,717/mo
Today · 4.125%
HK$105,270
baseline
▲ 0.50% · 4.625%
HK$110,819
+HK$5,549/mo
Deposit HK$8.44M · loan HK$19.69M · min. income ≈ HK$210,540/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$1,195,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,425
−HK$7,239/mo
▼ 0.25% · 3.875%
HK$119,016
−HK$3,648/mo
Today · 4.125%
HK$122,664
baseline
▲ 0.50% · 4.625%
HK$130,127
+HK$7,463/mo
Deposit HK$2.81M · loan HK$25.31M · min. income ≈ HK$245,328/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$1,195,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,410
−HK$6,937/mo
▼ 0.25% · 3.875%
HK$131,854
−HK$3,493/mo
Today · 4.125%
HK$135,347
baseline
▲ 0.50% · 4.625%
HK$142,482
+HK$7,135/mo
Deposit HK$2.81M · loan HK$25.31M · min. income ≈ HK$270,694/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$1,195,183 · Scale 2, in force from 26 Feb 2026)