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$65,647
−HK$4,117/mo
▼ 0.25% · 3.875%
HK$67,689
−HK$2,075/mo
Today · 4.125%
HK$69,764
baseline
▲ 0.50% · 4.625%
HK$74,009
+HK$4,245/mo
Deposit HK$14.39M · loan HK$14.39M · min. income ≈ HK$139,528/mo (50% DSR)
Upfront cash ≈ HK$15.62M (deposit + AVD stamp duty HK$1,223,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,032
−HK$3,946/mo
▼ 0.25% · 3.875%
HK$74,991
−HK$1,987/mo
Today · 4.125%
HK$76,978
baseline
▲ 0.50% · 4.625%
HK$81,035
+HK$4,057/mo
Deposit HK$14.39M · loan HK$14.39M · min. income ≈ HK$153,956/mo (50% DSR)
Upfront cash ≈ HK$15.62M (deposit + AVD stamp duty HK$1,223,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,777
−HK$4,940/mo
▼ 0.25% · 3.875%
HK$81,227
−HK$2,490/mo
Today · 4.125%
HK$83,717
baseline
▲ 0.50% · 4.625%
HK$88,811
+HK$5,094/mo
Deposit HK$11.52M · loan HK$17.27M · min. income ≈ HK$167,434/mo (50% DSR)
Upfront cash ≈ HK$12.74M (deposit + AVD stamp duty HK$1,223,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,638
−HK$4,735/mo
▼ 0.25% · 3.875%
HK$89,989
−HK$2,384/mo
Today · 4.125%
HK$92,373
baseline
▲ 0.50% · 4.625%
HK$97,242
+HK$4,869/mo
Deposit HK$11.52M · loan HK$17.27M · min. income ≈ HK$184,746/mo (50% DSR)
Upfront cash ≈ HK$12.74M (deposit + AVD stamp duty HK$1,223,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,906
−HK$5,764/mo
▼ 0.25% · 3.875%
HK$94,765
−HK$2,905/mo
Today · 4.125%
HK$97,670
baseline
▲ 0.50% · 4.625%
HK$103,613
+HK$5,943/mo
Deposit HK$8.64M · loan HK$20.15M · min. income ≈ HK$195,340/mo (50% DSR)
Upfront cash ≈ HK$9.86M (deposit + AVD stamp duty HK$1,223,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,245
−HK$5,524/mo
▼ 0.25% · 3.875%
HK$104,987
−HK$2,782/mo
Today · 4.125%
HK$107,769
baseline
▲ 0.50% · 4.625%
HK$113,449
+HK$5,680/mo
Deposit HK$8.64M · loan HK$20.15M · min. income ≈ HK$215,538/mo (50% DSR)
Upfront cash ≈ HK$9.86M (deposit + AVD stamp duty HK$1,223,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,165
−HK$7,410/mo
▼ 0.25% · 3.875%
HK$121,841
−HK$3,734/mo
Today · 4.125%
HK$125,575
baseline
▲ 0.50% · 4.625%
HK$133,216
+HK$7,641/mo
Deposit HK$2.88M · loan HK$25.91M · min. income ≈ HK$251,150/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$1,223,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,458
−HK$7,102/mo
▼ 0.25% · 3.875%
HK$134,983
−HK$3,577/mo
Today · 4.125%
HK$138,560
baseline
▲ 0.50% · 4.625%
HK$145,863
+HK$7,303/mo
Deposit HK$2.88M · loan HK$25.91M · min. income ≈ HK$277,120/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$1,223,552 · Scale 2, in force from 26 Feb 2026)