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$64,527
−HK$4,046/mo
▼ 0.25% · 3.875%
HK$66,534
−HK$2,039/mo
Today · 4.125%
HK$68,573
baseline
▲ 0.50% · 4.625%
HK$72,746
+HK$4,173/mo
Deposit HK$14.15M · loan HK$14.15M · min. income ≈ HK$137,146/mo (50% DSR)
Upfront cash ≈ HK$15.35M (deposit + AVD stamp duty HK$1,202,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,786
−HK$3,878/mo
▼ 0.25% · 3.875%
HK$73,711
−HK$1,953/mo
Today · 4.125%
HK$75,664
baseline
▲ 0.50% · 4.625%
HK$79,652
+HK$3,988/mo
Deposit HK$14.15M · loan HK$14.15M · min. income ≈ HK$151,328/mo (50% DSR)
Upfront cash ≈ HK$15.35M (deposit + AVD stamp duty HK$1,202,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,432
−HK$4,856/mo
▼ 0.25% · 3.875%
HK$79,841
−HK$2,447/mo
Today · 4.125%
HK$82,288
baseline
▲ 0.50% · 4.625%
HK$87,295
+HK$5,007/mo
Deposit HK$11.32M · loan HK$16.98M · min. income ≈ HK$164,576/mo (50% DSR)
Upfront cash ≈ HK$12.52M (deposit + AVD stamp duty HK$1,202,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,143
−HK$4,654/mo
▼ 0.25% · 3.875%
HK$88,453
−HK$2,344/mo
Today · 4.125%
HK$90,797
baseline
▲ 0.50% · 4.625%
HK$95,583
+HK$4,786/mo
Deposit HK$11.32M · loan HK$16.98M · min. income ≈ HK$181,594/mo (50% DSR)
Upfront cash ≈ HK$12.52M (deposit + AVD stamp duty HK$1,202,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,338
−HK$5,665/mo
▼ 0.25% · 3.875%
HK$93,148
−HK$2,855/mo
Today · 4.125%
HK$96,003
baseline
▲ 0.50% · 4.625%
HK$101,844
+HK$5,841/mo
Deposit HK$8.49M · loan HK$19.81M · min. income ≈ HK$192,006/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$1,202,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,500
−HK$5,430/mo
▼ 0.25% · 3.875%
HK$103,195
−HK$2,735/mo
Today · 4.125%
HK$105,930
baseline
▲ 0.50% · 4.625%
HK$111,513
+HK$5,583/mo
Deposit HK$8.49M · loan HK$19.81M · min. income ≈ HK$211,860/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$1,202,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,149
−HK$7,283/mo
▼ 0.25% · 3.875%
HK$119,762
−HK$3,670/mo
Today · 4.125%
HK$123,432
baseline
▲ 0.50% · 4.625%
HK$130,943
+HK$7,511/mo
Deposit HK$2.83M · loan HK$25.47M · min. income ≈ HK$246,864/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$1,202,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,214
−HK$6,981/mo
▼ 0.25% · 3.875%
HK$132,680
−HK$3,515/mo
Today · 4.125%
HK$136,195
baseline
▲ 0.50% · 4.625%
HK$143,374
+HK$7,179/mo
Deposit HK$2.83M · loan HK$25.47M · min. income ≈ HK$272,390/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$1,202,673 · Scale 2, in force from 26 Feb 2026)