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$65,511
−HK$4,109/mo
▼ 0.25% · 3.875%
HK$67,549
−HK$2,071/mo
Today · 4.125%
HK$69,620
baseline
▲ 0.50% · 4.625%
HK$73,856
+HK$4,236/mo
Deposit HK$14.36M · loan HK$14.36M · min. income ≈ HK$139,240/mo (50% DSR)
Upfront cash ≈ HK$15.59M (deposit + AVD stamp duty HK$1,221,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,881
−HK$3,937/mo
▼ 0.25% · 3.875%
HK$74,836
−HK$1,982/mo
Today · 4.125%
HK$76,818
baseline
▲ 0.50% · 4.625%
HK$80,868
+HK$4,050/mo
Deposit HK$14.36M · loan HK$14.36M · min. income ≈ HK$153,636/mo (50% DSR)
Upfront cash ≈ HK$15.59M (deposit + AVD stamp duty HK$1,221,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,614
−HK$4,930/mo
▼ 0.25% · 3.875%
HK$81,059
−HK$2,485/mo
Today · 4.125%
HK$83,544
baseline
▲ 0.50% · 4.625%
HK$88,627
+HK$5,083/mo
Deposit HK$11.49M · loan HK$17.24M · min. income ≈ HK$167,088/mo (50% DSR)
Upfront cash ≈ HK$12.71M (deposit + AVD stamp duty HK$1,221,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,457
−HK$4,725/mo
▼ 0.25% · 3.875%
HK$89,803
−HK$2,379/mo
Today · 4.125%
HK$92,182
baseline
▲ 0.50% · 4.625%
HK$97,041
+HK$4,859/mo
Deposit HK$11.49M · loan HK$17.24M · min. income ≈ HK$184,364/mo (50% DSR)
Upfront cash ≈ HK$12.71M (deposit + AVD stamp duty HK$1,221,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,716
−HK$5,752/mo
▼ 0.25% · 3.875%
HK$94,569
−HK$2,899/mo
Today · 4.125%
HK$97,468
baseline
▲ 0.50% · 4.625%
HK$103,398
+HK$5,930/mo
Deposit HK$8.62M · loan HK$20.11M · min. income ≈ HK$194,936/mo (50% DSR)
Upfront cash ≈ HK$9.84M (deposit + AVD stamp duty HK$1,221,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,033
−HK$5,513/mo
▼ 0.25% · 3.875%
HK$104,770
−HK$2,776/mo
Today · 4.125%
HK$107,546
baseline
▲ 0.50% · 4.625%
HK$113,215
+HK$5,669/mo
Deposit HK$8.62M · loan HK$20.11M · min. income ≈ HK$215,092/mo (50% DSR)
Upfront cash ≈ HK$9.84M (deposit + AVD stamp duty HK$1,221,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,921
−HK$7,394/mo
▼ 0.25% · 3.875%
HK$121,589
−HK$3,726/mo
Today · 4.125%
HK$125,315
baseline
▲ 0.50% · 4.625%
HK$132,940
+HK$7,625/mo
Deposit HK$2.87M · loan HK$25.86M · min. income ≈ HK$250,630/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$1,221,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,186
−HK$7,087/mo
▼ 0.25% · 3.875%
HK$134,704
−HK$3,569/mo
Today · 4.125%
HK$138,273
baseline
▲ 0.50% · 4.625%
HK$145,562
+HK$7,289/mo
Deposit HK$2.87M · loan HK$25.86M · min. income ≈ HK$276,546/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$1,221,020 · Scale 2, in force from 26 Feb 2026)