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$65,091
−HK$4,081/mo
▼ 0.25% · 3.875%
HK$67,115
−HK$2,057/mo
Today · 4.125%
HK$69,172
baseline
▲ 0.50% · 4.625%
HK$73,381
+HK$4,209/mo
Deposit HK$14.27M · loan HK$14.27M · min. income ≈ HK$138,344/mo (50% DSR)
Upfront cash ≈ HK$15.49M (deposit + AVD stamp duty HK$1,213,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,413
−HK$3,912/mo
▼ 0.25% · 3.875%
HK$74,355
−HK$1,970/mo
Today · 4.125%
HK$76,325
baseline
▲ 0.50% · 4.625%
HK$80,348
+HK$4,023/mo
Deposit HK$14.27M · loan HK$14.27M · min. income ≈ HK$152,650/mo (50% DSR)
Upfront cash ≈ HK$15.49M (deposit + AVD stamp duty HK$1,213,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,109
−HK$4,898/mo
▼ 0.25% · 3.875%
HK$80,538
−HK$2,469/mo
Today · 4.125%
HK$83,007
baseline
▲ 0.50% · 4.625%
HK$88,058
+HK$5,051/mo
Deposit HK$11.42M · loan HK$17.13M · min. income ≈ HK$166,014/mo (50% DSR)
Upfront cash ≈ HK$12.63M (deposit + AVD stamp duty HK$1,213,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,895
−HK$4,695/mo
▼ 0.25% · 3.875%
HK$89,226
−HK$2,364/mo
Today · 4.125%
HK$91,590
baseline
▲ 0.50% · 4.625%
HK$96,418
+HK$4,828/mo
Deposit HK$11.42M · loan HK$17.13M · min. income ≈ HK$183,180/mo (50% DSR)
Upfront cash ≈ HK$12.63M (deposit + AVD stamp duty HK$1,213,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,127
−HK$5,714/mo
▼ 0.25% · 3.875%
HK$93,961
−HK$2,880/mo
Today · 4.125%
HK$96,841
baseline
▲ 0.50% · 4.625%
HK$102,734
+HK$5,893/mo
Deposit HK$8.56M · loan HK$19.98M · min. income ≈ HK$193,682/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$1,213,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,378
−HK$5,477/mo
▼ 0.25% · 3.875%
HK$104,097
−HK$2,758/mo
Today · 4.125%
HK$106,855
baseline
▲ 0.50% · 4.625%
HK$112,487
+HK$5,632/mo
Deposit HK$8.56M · loan HK$19.98M · min. income ≈ HK$213,710/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$1,213,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,163
−HK$7,347/mo
▼ 0.25% · 3.875%
HK$120,808
−HK$3,702/mo
Today · 4.125%
HK$124,510
baseline
▲ 0.50% · 4.625%
HK$132,086
+HK$7,576/mo
Deposit HK$2.85M · loan HK$25.69M · min. income ≈ HK$249,020/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$1,213,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,343
−HK$7,042/mo
▼ 0.25% · 3.875%
HK$133,839
−HK$3,546/mo
Today · 4.125%
HK$137,385
baseline
▲ 0.50% · 4.625%
HK$144,627
+HK$7,242/mo
Deposit HK$2.85M · loan HK$25.69M · min. income ≈ HK$274,770/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$1,213,176 · Scale 2, in force from 26 Feb 2026)