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$66,307
−HK$4,158/mo
▼ 0.25% · 3.875%
HK$68,370
−HK$2,095/mo
Today · 4.125%
HK$70,465
baseline
▲ 0.50% · 4.625%
HK$74,753
+HK$4,288/mo
Deposit HK$14.54M · loan HK$14.54M · min. income ≈ HK$140,930/mo (50% DSR)
Upfront cash ≈ HK$15.78M (deposit + AVD stamp duty HK$1,235,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,766
−HK$3,986/mo
▼ 0.25% · 3.875%
HK$75,745
−HK$2,007/mo
Today · 4.125%
HK$77,752
baseline
▲ 0.50% · 4.625%
HK$81,850
+HK$4,098/mo
Deposit HK$14.54M · loan HK$14.54M · min. income ≈ HK$155,504/mo (50% DSR)
Upfront cash ≈ HK$15.78M (deposit + AVD stamp duty HK$1,235,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,569
−HK$4,989/mo
▼ 0.25% · 3.875%
HK$82,044
−HK$2,514/mo
Today · 4.125%
HK$84,558
baseline
▲ 0.50% · 4.625%
HK$89,704
+HK$5,146/mo
Deposit HK$11.63M · loan HK$17.45M · min. income ≈ HK$169,116/mo (50% DSR)
Upfront cash ≈ HK$12.87M (deposit + AVD stamp duty HK$1,235,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,520
−HK$4,782/mo
▼ 0.25% · 3.875%
HK$90,894
−HK$2,408/mo
Today · 4.125%
HK$93,302
baseline
▲ 0.50% · 4.625%
HK$98,220
+HK$4,918/mo
Deposit HK$11.63M · loan HK$17.45M · min. income ≈ HK$186,604/mo (50% DSR)
Upfront cash ≈ HK$12.87M (deposit + AVD stamp duty HK$1,235,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,830
−HK$5,822/mo
▼ 0.25% · 3.875%
HK$95,718
−HK$2,934/mo
Today · 4.125%
HK$98,652
baseline
▲ 0.50% · 4.625%
HK$104,654
+HK$6,002/mo
Deposit HK$8.72M · loan HK$20.36M · min. income ≈ HK$197,304/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$1,235,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,273
−HK$5,579/mo
▼ 0.25% · 3.875%
HK$106,043
−HK$2,809/mo
Today · 4.125%
HK$108,852
baseline
▲ 0.50% · 4.625%
HK$114,590
+HK$5,738/mo
Deposit HK$8.72M · loan HK$20.36M · min. income ≈ HK$217,704/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$1,235,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,353
−HK$7,485/mo
▼ 0.25% · 3.875%
HK$123,066
−HK$3,772/mo
Today · 4.125%
HK$126,838
baseline
▲ 0.50% · 4.625%
HK$134,556
+HK$7,718/mo
Deposit HK$2.91M · loan HK$26.17M · min. income ≈ HK$253,676/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$1,235,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,779
−HK$7,174/mo
▼ 0.25% · 3.875%
HK$136,340
−HK$3,613/mo
Today · 4.125%
HK$139,953
baseline
▲ 0.50% · 4.625%
HK$147,330
+HK$7,377/mo
Deposit HK$2.91M · loan HK$26.17M · min. income ≈ HK$279,906/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$1,235,854 · Scale 2, in force from 26 Feb 2026)