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$64,838
−HK$4,066/mo
▼ 0.25% · 3.875%
HK$66,854
−HK$2,050/mo
Today · 4.125%
HK$68,904
baseline
▲ 0.50% · 4.625%
HK$73,096
+HK$4,192/mo
Deposit HK$14.22M · loan HK$14.22M · min. income ≈ HK$137,808/mo (50% DSR)
Upfront cash ≈ HK$15.43M (deposit + AVD stamp duty HK$1,208,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,131
−HK$3,897/mo
▼ 0.25% · 3.875%
HK$74,066
−HK$1,962/mo
Today · 4.125%
HK$76,028
baseline
▲ 0.50% · 4.625%
HK$80,036
+HK$4,008/mo
Deposit HK$14.22M · loan HK$14.22M · min. income ≈ HK$152,056/mo (50% DSR)
Upfront cash ≈ HK$15.43M (deposit + AVD stamp duty HK$1,208,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,805
−HK$4,879/mo
▼ 0.25% · 3.875%
HK$80,225
−HK$2,459/mo
Today · 4.125%
HK$82,684
baseline
▲ 0.50% · 4.625%
HK$87,715
+HK$5,031/mo
Deposit HK$11.37M · loan HK$17.06M · min. income ≈ HK$165,368/mo (50% DSR)
Upfront cash ≈ HK$12.58M (deposit + AVD stamp duty HK$1,208,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,557
−HK$4,677/mo
▼ 0.25% · 3.875%
HK$88,879
−HK$2,355/mo
Today · 4.125%
HK$91,234
baseline
▲ 0.50% · 4.625%
HK$96,043
+HK$4,809/mo
Deposit HK$11.37M · loan HK$17.06M · min. income ≈ HK$182,468/mo (50% DSR)
Upfront cash ≈ HK$12.58M (deposit + AVD stamp duty HK$1,208,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,773
−HK$5,692/mo
▼ 0.25% · 3.875%
HK$93,596
−HK$2,869/mo
Today · 4.125%
HK$96,465
baseline
▲ 0.50% · 4.625%
HK$102,335
+HK$5,870/mo
Deposit HK$8.53M · loan HK$19.90M · min. income ≈ HK$192,930/mo (50% DSR)
Upfront cash ≈ HK$9.74M (deposit + AVD stamp duty HK$1,208,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,984
−HK$5,456/mo
▼ 0.25% · 3.875%
HK$103,692
−HK$2,748/mo
Today · 4.125%
HK$106,440
baseline
▲ 0.50% · 4.625%
HK$112,050
+HK$5,610/mo
Deposit HK$8.53M · loan HK$19.90M · min. income ≈ HK$212,880/mo (50% DSR)
Upfront cash ≈ HK$9.74M (deposit + AVD stamp duty HK$1,208,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,708
−HK$7,318/mo
▼ 0.25% · 3.875%
HK$120,338
−HK$3,688/mo
Today · 4.125%
HK$124,026
baseline
▲ 0.50% · 4.625%
HK$131,573
+HK$7,547/mo
Deposit HK$2.84M · loan HK$25.59M · min. income ≈ HK$248,052/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$1,208,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,836
−HK$7,015/mo
▼ 0.25% · 3.875%
HK$133,318
−HK$3,533/mo
Today · 4.125%
HK$136,851
baseline
▲ 0.50% · 4.625%
HK$144,064
+HK$7,213/mo
Deposit HK$2.84M · loan HK$25.59M · min. income ≈ HK$273,702/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$1,208,461 · Scale 2, in force from 26 Feb 2026)