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$63,954
−HK$4,010/mo
▼ 0.25% · 3.875%
HK$65,943
−HK$2,021/mo
Today · 4.125%
HK$67,964
baseline
▲ 0.50% · 4.625%
HK$72,100
+HK$4,136/mo
Deposit HK$14.02M · loan HK$14.02M · min. income ≈ HK$135,928/mo (50% DSR)
Upfront cash ≈ HK$15.22M (deposit + AVD stamp duty HK$1,191,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,148
−HK$3,844/mo
▼ 0.25% · 3.875%
HK$73,056
−HK$1,936/mo
Today · 4.125%
HK$74,992
baseline
▲ 0.50% · 4.625%
HK$78,945
+HK$3,953/mo
Deposit HK$14.02M · loan HK$14.02M · min. income ≈ HK$149,984/mo (50% DSR)
Upfront cash ≈ HK$15.22M (deposit + AVD stamp duty HK$1,191,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,745
−HK$4,812/mo
▼ 0.25% · 3.875%
HK$79,132
−HK$2,425/mo
Today · 4.125%
HK$81,557
baseline
▲ 0.50% · 4.625%
HK$86,520
+HK$4,963/mo
Deposit HK$11.22M · loan HK$16.83M · min. income ≈ HK$163,114/mo (50% DSR)
Upfront cash ≈ HK$12.41M (deposit + AVD stamp duty HK$1,191,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,378
−HK$4,612/mo
▼ 0.25% · 3.875%
HK$87,667
−HK$2,323/mo
Today · 4.125%
HK$89,990
baseline
▲ 0.50% · 4.625%
HK$94,734
+HK$4,744/mo
Deposit HK$11.22M · loan HK$16.83M · min. income ≈ HK$179,980/mo (50% DSR)
Upfront cash ≈ HK$12.41M (deposit + AVD stamp duty HK$1,191,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,535
−HK$5,615/mo
▼ 0.25% · 3.875%
HK$92,320
−HK$2,830/mo
Today · 4.125%
HK$95,150
baseline
▲ 0.50% · 4.625%
HK$100,940
+HK$5,790/mo
Deposit HK$8.41M · loan HK$19.63M · min. income ≈ HK$190,300/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$1,191,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,607
−HK$5,382/mo
▼ 0.25% · 3.875%
HK$102,279
−HK$2,710/mo
Today · 4.125%
HK$104,989
baseline
▲ 0.50% · 4.625%
HK$110,523
+HK$5,534/mo
Deposit HK$8.41M · loan HK$19.63M · min. income ≈ HK$209,978/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$1,191,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,117
−HK$7,219/mo
▼ 0.25% · 3.875%
HK$118,698
−HK$3,638/mo
Today · 4.125%
HK$122,336
baseline
▲ 0.50% · 4.625%
HK$129,780
+HK$7,444/mo
Deposit HK$2.80M · loan HK$25.24M · min. income ≈ HK$244,672/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$1,191,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,066
−HK$6,919/mo
▼ 0.25% · 3.875%
HK$131,501
−HK$3,484/mo
Today · 4.125%
HK$134,985
baseline
▲ 0.50% · 4.625%
HK$142,101
+HK$7,116/mo
Deposit HK$2.80M · loan HK$25.24M · min. income ≈ HK$269,970/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$1,191,989 · Scale 2, in force from 26 Feb 2026)