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$70,339
−HK$4,411/mo
▼ 0.25% · 3.875%
HK$72,527
−HK$2,223/mo
Today · 4.125%
HK$74,750
baseline
▲ 0.50% · 4.625%
HK$79,298
+HK$4,548/mo
Deposit HK$15.42M · loan HK$15.42M · min. income ≈ HK$149,500/mo (50% DSR)
Upfront cash ≈ HK$16.73M (deposit + AVD stamp duty HK$1,311,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,252
−HK$4,227/mo
▼ 0.25% · 3.875%
HK$80,350
−HK$2,129/mo
Today · 4.125%
HK$82,479
baseline
▲ 0.50% · 4.625%
HK$86,827
+HK$4,348/mo
Deposit HK$15.42M · loan HK$15.42M · min. income ≈ HK$164,958/mo (50% DSR)
Upfront cash ≈ HK$16.73M (deposit + AVD stamp duty HK$1,311,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,407
−HK$5,293/mo
▼ 0.25% · 3.875%
HK$87,033
−HK$2,667/mo
Today · 4.125%
HK$89,700
baseline
▲ 0.50% · 4.625%
HK$95,158
+HK$5,458/mo
Deposit HK$12.34M · loan HK$18.51M · min. income ≈ HK$179,400/mo (50% DSR)
Upfront cash ≈ HK$13.65M (deposit + AVD stamp duty HK$1,311,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,902
−HK$5,073/mo
▼ 0.25% · 3.875%
HK$96,420
−HK$2,555/mo
Today · 4.125%
HK$98,975
baseline
▲ 0.50% · 4.625%
HK$104,192
+HK$5,217/mo
Deposit HK$12.34M · loan HK$18.51M · min. income ≈ HK$197,950/mo (50% DSR)
Upfront cash ≈ HK$13.65M (deposit + AVD stamp duty HK$1,311,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,475
−HK$6,175/mo
▼ 0.25% · 3.875%
HK$101,538
−HK$3,112/mo
Today · 4.125%
HK$104,650
baseline
▲ 0.50% · 4.625%
HK$111,018
+HK$6,368/mo
Deposit HK$9.25M · loan HK$21.59M · min. income ≈ HK$209,300/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,311,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,552
−HK$5,919/mo
▼ 0.25% · 3.875%
HK$112,490
−HK$2,981/mo
Today · 4.125%
HK$115,471
baseline
▲ 0.50% · 4.625%
HK$121,558
+HK$6,087/mo
Deposit HK$9.25M · loan HK$21.59M · min. income ≈ HK$230,942/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,311,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,611
−HK$7,939/mo
▼ 0.25% · 3.875%
HK$130,549
−HK$4,001/mo
Today · 4.125%
HK$134,550
baseline
▲ 0.50% · 4.625%
HK$142,737
+HK$8,187/mo
Deposit HK$3.08M · loan HK$27.76M · min. income ≈ HK$269,100/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,311,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,853
−HK$7,610/mo
▼ 0.25% · 3.875%
HK$144,631
−HK$3,832/mo
Today · 4.125%
HK$148,463
baseline
▲ 0.50% · 4.625%
HK$156,288
+HK$7,825/mo
Deposit HK$3.08M · loan HK$27.76M · min. income ≈ HK$296,926/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,311,000 · Scale 2, in force from 26 Feb 2026)