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$66,394
−HK$4,163/mo
▼ 0.25% · 3.875%
HK$68,459
−HK$2,098/mo
Today · 4.125%
HK$70,557
baseline
▲ 0.50% · 4.625%
HK$74,851
+HK$4,294/mo
Deposit HK$14.56M · loan HK$14.56M · min. income ≈ HK$141,114/mo (50% DSR)
Upfront cash ≈ HK$15.80M (deposit + AVD stamp duty HK$1,237,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,862
−HK$3,991/mo
▼ 0.25% · 3.875%
HK$75,843
−HK$2,010/mo
Today · 4.125%
HK$77,853
baseline
▲ 0.50% · 4.625%
HK$81,957
+HK$4,104/mo
Deposit HK$14.56M · loan HK$14.56M · min. income ≈ HK$155,706/mo (50% DSR)
Upfront cash ≈ HK$15.80M (deposit + AVD stamp duty HK$1,237,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,673
−HK$4,996/mo
▼ 0.25% · 3.875%
HK$82,151
−HK$2,518/mo
Today · 4.125%
HK$84,669
baseline
▲ 0.50% · 4.625%
HK$89,821
+HK$5,152/mo
Deposit HK$11.65M · loan HK$17.47M · min. income ≈ HK$169,338/mo (50% DSR)
Upfront cash ≈ HK$12.88M (deposit + AVD stamp duty HK$1,237,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,635
−HK$4,789/mo
▼ 0.25% · 3.875%
HK$91,012
−HK$2,412/mo
Today · 4.125%
HK$93,424
baseline
▲ 0.50% · 4.625%
HK$98,348
+HK$4,924/mo
Deposit HK$11.65M · loan HK$17.47M · min. income ≈ HK$186,848/mo (50% DSR)
Upfront cash ≈ HK$12.88M (deposit + AVD stamp duty HK$1,237,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,951
−HK$5,829/mo
▼ 0.25% · 3.875%
HK$95,843
−HK$2,937/mo
Today · 4.125%
HK$98,780
baseline
▲ 0.50% · 4.625%
HK$104,791
+HK$6,011/mo
Deposit HK$8.74M · loan HK$20.38M · min. income ≈ HK$197,560/mo (50% DSR)
Upfront cash ≈ HK$9.97M (deposit + AVD stamp duty HK$1,237,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,407
−HK$5,587/mo
▼ 0.25% · 3.875%
HK$106,181
−HK$2,813/mo
Today · 4.125%
HK$108,994
baseline
▲ 0.50% · 4.625%
HK$114,740
+HK$5,746/mo
Deposit HK$8.74M · loan HK$20.38M · min. income ≈ HK$217,988/mo (50% DSR)
Upfront cash ≈ HK$9.97M (deposit + AVD stamp duty HK$1,237,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,509
−HK$7,494/mo
▼ 0.25% · 3.875%
HK$123,226
−HK$3,777/mo
Today · 4.125%
HK$127,003
baseline
▲ 0.50% · 4.625%
HK$134,731
+HK$7,728/mo
Deposit HK$2.91M · loan HK$26.21M · min. income ≈ HK$254,006/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$1,237,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,952
−HK$7,184/mo
▼ 0.25% · 3.875%
HK$136,518
−HK$3,618/mo
Today · 4.125%
HK$140,136
baseline
▲ 0.50% · 4.625%
HK$147,522
+HK$7,386/mo
Deposit HK$2.91M · loan HK$26.21M · min. income ≈ HK$280,272/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$1,237,466 · Scale 2, in force from 26 Feb 2026)