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$66,396
−HK$4,164/mo
▼ 0.25% · 3.875%
HK$68,462
−HK$2,098/mo
Today · 4.125%
HK$70,560
baseline
▲ 0.50% · 4.625%
HK$74,853
+HK$4,293/mo
Deposit HK$14.56M · loan HK$14.56M · min. income ≈ HK$141,120/mo (50% DSR)
Upfront cash ≈ HK$15.80M (deposit + AVD stamp duty HK$1,237,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,865
−HK$3,991/mo
▼ 0.25% · 3.875%
HK$75,846
−HK$2,010/mo
Today · 4.125%
HK$77,856
baseline
▲ 0.50% · 4.625%
HK$81,960
+HK$4,104/mo
Deposit HK$14.56M · loan HK$14.56M · min. income ≈ HK$155,712/mo (50% DSR)
Upfront cash ≈ HK$15.80M (deposit + AVD stamp duty HK$1,237,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,676
−HK$4,996/mo
▼ 0.25% · 3.875%
HK$82,154
−HK$2,518/mo
Today · 4.125%
HK$84,672
baseline
▲ 0.50% · 4.625%
HK$89,824
+HK$5,152/mo
Deposit HK$11.65M · loan HK$17.47M · min. income ≈ HK$169,344/mo (50% DSR)
Upfront cash ≈ HK$12.88M (deposit + AVD stamp duty HK$1,237,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,638
−HK$4,789/mo
▼ 0.25% · 3.875%
HK$91,015
−HK$2,412/mo
Today · 4.125%
HK$93,427
baseline
▲ 0.50% · 4.625%
HK$98,352
+HK$4,925/mo
Deposit HK$11.65M · loan HK$17.47M · min. income ≈ HK$186,854/mo (50% DSR)
Upfront cash ≈ HK$12.88M (deposit + AVD stamp duty HK$1,237,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,955
−HK$5,829/mo
▼ 0.25% · 3.875%
HK$95,846
−HK$2,938/mo
Today · 4.125%
HK$98,784
baseline
▲ 0.50% · 4.625%
HK$104,795
+HK$6,011/mo
Deposit HK$8.74M · loan HK$20.38M · min. income ≈ HK$197,568/mo (50% DSR)
Upfront cash ≈ HK$9.97M (deposit + AVD stamp duty HK$1,237,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,411
−HK$5,587/mo
▼ 0.25% · 3.875%
HK$106,185
−HK$2,813/mo
Today · 4.125%
HK$108,998
baseline
▲ 0.50% · 4.625%
HK$114,744
+HK$5,746/mo
Deposit HK$8.74M · loan HK$20.38M · min. income ≈ HK$217,996/mo (50% DSR)
Upfront cash ≈ HK$9.97M (deposit + AVD stamp duty HK$1,237,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,513
−HK$7,495/mo
▼ 0.25% · 3.875%
HK$123,231
−HK$3,777/mo
Today · 4.125%
HK$127,008
baseline
▲ 0.50% · 4.625%
HK$134,736
+HK$7,728/mo
Deposit HK$2.91M · loan HK$26.21M · min. income ≈ HK$254,016/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$1,237,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,957
−HK$7,184/mo
▼ 0.25% · 3.875%
HK$136,523
−HK$3,618/mo
Today · 4.125%
HK$140,141
baseline
▲ 0.50% · 4.625%
HK$147,528
+HK$7,387/mo
Deposit HK$2.91M · loan HK$26.21M · min. income ≈ HK$280,282/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$1,237,512 · Scale 2, in force from 26 Feb 2026)