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$64,328
−HK$4,034/mo
▼ 0.25% · 3.875%
HK$66,329
−HK$2,033/mo
Today · 4.125%
HK$68,362
baseline
▲ 0.50% · 4.625%
HK$72,522
+HK$4,160/mo
Deposit HK$14.11M · loan HK$14.11M · min. income ≈ HK$136,724/mo (50% DSR)
Upfront cash ≈ HK$15.30M (deposit + AVD stamp duty HK$1,198,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,565
−HK$3,866/mo
▼ 0.25% · 3.875%
HK$73,484
−HK$1,947/mo
Today · 4.125%
HK$75,431
baseline
▲ 0.50% · 4.625%
HK$79,407
+HK$3,976/mo
Deposit HK$14.11M · loan HK$14.11M · min. income ≈ HK$150,862/mo (50% DSR)
Upfront cash ≈ HK$15.30M (deposit + AVD stamp duty HK$1,198,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,194
−HK$4,841/mo
▼ 0.25% · 3.875%
HK$79,595
−HK$2,440/mo
Today · 4.125%
HK$82,035
baseline
▲ 0.50% · 4.625%
HK$87,027
+HK$4,992/mo
Deposit HK$11.28M · loan HK$16.93M · min. income ≈ HK$164,070/mo (50% DSR)
Upfront cash ≈ HK$12.48M (deposit + AVD stamp duty HK$1,198,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,878
−HK$4,639/mo
▼ 0.25% · 3.875%
HK$88,181
−HK$2,336/mo
Today · 4.125%
HK$90,517
baseline
▲ 0.50% · 4.625%
HK$95,289
+HK$4,772/mo
Deposit HK$11.28M · loan HK$16.93M · min. income ≈ HK$181,034/mo (50% DSR)
Upfront cash ≈ HK$12.48M (deposit + AVD stamp duty HK$1,198,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,060
−HK$5,647/mo
▼ 0.25% · 3.875%
HK$92,861
−HK$2,846/mo
Today · 4.125%
HK$95,707
baseline
▲ 0.50% · 4.625%
HK$101,531
+HK$5,824/mo
Deposit HK$8.46M · loan HK$19.75M · min. income ≈ HK$191,414/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$1,198,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,191
−HK$5,413/mo
▼ 0.25% · 3.875%
HK$102,878
−HK$2,726/mo
Today · 4.125%
HK$105,604
baseline
▲ 0.50% · 4.625%
HK$111,170
+HK$5,566/mo
Deposit HK$8.46M · loan HK$19.75M · min. income ≈ HK$211,208/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$1,198,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,791
−HK$7,261/mo
▼ 0.25% · 3.875%
HK$119,393
−HK$3,659/mo
Today · 4.125%
HK$123,052
baseline
▲ 0.50% · 4.625%
HK$130,540
+HK$7,488/mo
Deposit HK$2.82M · loan HK$25.39M · min. income ≈ HK$246,104/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$1,198,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,817
−HK$6,959/mo
▼ 0.25% · 3.875%
HK$132,271
−HK$3,505/mo
Today · 4.125%
HK$135,776
baseline
▲ 0.50% · 4.625%
HK$142,933
+HK$7,157/mo
Deposit HK$2.82M · loan HK$25.39M · min. income ≈ HK$271,552/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$1,198,970 · Scale 2, in force from 26 Feb 2026)