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$63,963
−HK$4,012/mo
▼ 0.25% · 3.875%
HK$65,953
−HK$2,022/mo
Today · 4.125%
HK$67,975
baseline
▲ 0.50% · 4.625%
HK$72,111
+HK$4,136/mo
Deposit HK$14.03M · loan HK$14.03M · min. income ≈ HK$135,950/mo (50% DSR)
Upfront cash ≈ HK$15.22M (deposit + AVD stamp duty HK$1,192,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,159
−HK$3,844/mo
▼ 0.25% · 3.875%
HK$73,067
−HK$1,936/mo
Today · 4.125%
HK$75,003
baseline
▲ 0.50% · 4.625%
HK$78,957
+HK$3,954/mo
Deposit HK$14.03M · loan HK$14.03M · min. income ≈ HK$150,006/mo (50% DSR)
Upfront cash ≈ HK$15.22M (deposit + AVD stamp duty HK$1,192,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,756
−HK$4,813/mo
▼ 0.25% · 3.875%
HK$79,144
−HK$2,425/mo
Today · 4.125%
HK$81,569
baseline
▲ 0.50% · 4.625%
HK$86,533
+HK$4,964/mo
Deposit HK$11.22M · loan HK$16.83M · min. income ≈ HK$163,138/mo (50% DSR)
Upfront cash ≈ HK$12.41M (deposit + AVD stamp duty HK$1,192,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,390
−HK$4,614/mo
▼ 0.25% · 3.875%
HK$87,681
−HK$2,323/mo
Today · 4.125%
HK$90,004
baseline
▲ 0.50% · 4.625%
HK$94,748
+HK$4,744/mo
Deposit HK$11.22M · loan HK$16.83M · min. income ≈ HK$180,008/mo (50% DSR)
Upfront cash ≈ HK$12.41M (deposit + AVD stamp duty HK$1,192,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,549
−HK$5,615/mo
▼ 0.25% · 3.875%
HK$92,334
−HK$2,830/mo
Today · 4.125%
HK$95,164
baseline
▲ 0.50% · 4.625%
HK$100,955
+HK$5,791/mo
Deposit HK$8.42M · loan HK$19.64M · min. income ≈ HK$190,328/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$1,192,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,622
−HK$5,382/mo
▼ 0.25% · 3.875%
HK$102,294
−HK$2,710/mo
Today · 4.125%
HK$105,004
baseline
▲ 0.50% · 4.625%
HK$110,539
+HK$5,535/mo
Deposit HK$8.42M · loan HK$19.64M · min. income ≈ HK$210,008/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$1,192,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,134
−HK$7,220/mo
▼ 0.25% · 3.875%
HK$118,716
−HK$3,638/mo
Today · 4.125%
HK$122,354
baseline
▲ 0.50% · 4.625%
HK$129,799
+HK$7,445/mo
Deposit HK$2.81M · loan HK$25.25M · min. income ≈ HK$244,708/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$1,192,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,086
−HK$6,920/mo
▼ 0.25% · 3.875%
HK$131,521
−HK$3,485/mo
Today · 4.125%
HK$135,006
baseline
▲ 0.50% · 4.625%
HK$142,122
+HK$7,116/mo
Deposit HK$2.81M · loan HK$25.25M · min. income ≈ HK$270,012/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$1,192,167 · Scale 2, in force from 26 Feb 2026)