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$65,160
−HK$4,086/mo
▼ 0.25% · 3.875%
HK$67,187
−HK$2,059/mo
Today · 4.125%
HK$69,246
baseline
▲ 0.50% · 4.625%
HK$73,460
+HK$4,214/mo
Deposit HK$14.29M · loan HK$14.29M · min. income ≈ HK$138,492/mo (50% DSR)
Upfront cash ≈ HK$15.50M (deposit + AVD stamp duty HK$1,214,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,490
−HK$3,916/mo
▼ 0.25% · 3.875%
HK$74,434
−HK$1,972/mo
Today · 4.125%
HK$76,406
baseline
▲ 0.50% · 4.625%
HK$80,434
+HK$4,028/mo
Deposit HK$14.29M · loan HK$14.29M · min. income ≈ HK$152,812/mo (50% DSR)
Upfront cash ≈ HK$15.50M (deposit + AVD stamp duty HK$1,214,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,192
−HK$4,903/mo
▼ 0.25% · 3.875%
HK$80,624
−HK$2,471/mo
Today · 4.125%
HK$83,095
baseline
▲ 0.50% · 4.625%
HK$88,152
+HK$5,057/mo
Deposit HK$11.43M · loan HK$17.15M · min. income ≈ HK$166,190/mo (50% DSR)
Upfront cash ≈ HK$12.64M (deposit + AVD stamp duty HK$1,214,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,988
−HK$4,700/mo
▼ 0.25% · 3.875%
HK$89,321
−HK$2,367/mo
Today · 4.125%
HK$91,688
baseline
▲ 0.50% · 4.625%
HK$96,521
+HK$4,833/mo
Deposit HK$11.43M · loan HK$17.15M · min. income ≈ HK$183,376/mo (50% DSR)
Upfront cash ≈ HK$12.64M (deposit + AVD stamp duty HK$1,214,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,224
−HK$5,721/mo
▼ 0.25% · 3.875%
HK$94,062
−HK$2,883/mo
Today · 4.125%
HK$96,945
baseline
▲ 0.50% · 4.625%
HK$102,843
+HK$5,898/mo
Deposit HK$8.57M · loan HK$20.00M · min. income ≈ HK$193,890/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$1,214,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,486
−HK$5,483/mo
▼ 0.25% · 3.875%
HK$104,208
−HK$2,761/mo
Today · 4.125%
HK$106,969
baseline
▲ 0.50% · 4.625%
HK$112,607
+HK$5,638/mo
Deposit HK$8.57M · loan HK$20.00M · min. income ≈ HK$213,938/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$1,214,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,288
−HK$7,355/mo
▼ 0.25% · 3.875%
HK$120,936
−HK$3,707/mo
Today · 4.125%
HK$124,643
baseline
▲ 0.50% · 4.625%
HK$132,227
+HK$7,584/mo
Deposit HK$2.86M · loan HK$25.72M · min. income ≈ HK$249,286/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$1,214,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,482
−HK$7,049/mo
▼ 0.25% · 3.875%
HK$133,981
−HK$3,550/mo
Today · 4.125%
HK$137,531
baseline
▲ 0.50% · 4.625%
HK$144,781
+HK$7,250/mo
Deposit HK$2.86M · loan HK$25.72M · min. income ≈ HK$275,062/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$1,214,470 · Scale 2, in force from 26 Feb 2026)