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$64,615
−HK$4,052/mo
▼ 0.25% · 3.875%
HK$66,625
−HK$2,042/mo
Today · 4.125%
HK$68,667
baseline
▲ 0.50% · 4.625%
HK$72,845
+HK$4,178/mo
Deposit HK$14.17M · loan HK$14.17M · min. income ≈ HK$137,334/mo (50% DSR)
Upfront cash ≈ HK$15.37M (deposit + AVD stamp duty HK$1,204,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,884
−HK$3,883/mo
▼ 0.25% · 3.875%
HK$73,812
−HK$1,955/mo
Today · 4.125%
HK$75,767
baseline
▲ 0.50% · 4.625%
HK$79,761
+HK$3,994/mo
Deposit HK$14.17M · loan HK$14.17M · min. income ≈ HK$151,534/mo (50% DSR)
Upfront cash ≈ HK$15.37M (deposit + AVD stamp duty HK$1,204,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,538
−HK$4,862/mo
▼ 0.25% · 3.875%
HK$79,950
−HK$2,450/mo
Today · 4.125%
HK$82,400
baseline
▲ 0.50% · 4.625%
HK$87,414
+HK$5,014/mo
Deposit HK$11.33M · loan HK$17.00M · min. income ≈ HK$164,800/mo (50% DSR)
Upfront cash ≈ HK$12.54M (deposit + AVD stamp duty HK$1,204,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,260
−HK$4,661/mo
▼ 0.25% · 3.875%
HK$88,574
−HK$2,347/mo
Today · 4.125%
HK$90,921
baseline
▲ 0.50% · 4.625%
HK$95,713
+HK$4,792/mo
Deposit HK$11.33M · loan HK$17.00M · min. income ≈ HK$181,842/mo (50% DSR)
Upfront cash ≈ HK$12.54M (deposit + AVD stamp duty HK$1,204,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,461
−HK$5,673/mo
▼ 0.25% · 3.875%
HK$93,275
−HK$2,859/mo
Today · 4.125%
HK$96,134
baseline
▲ 0.50% · 4.625%
HK$101,983
+HK$5,849/mo
Deposit HK$8.50M · loan HK$19.84M · min. income ≈ HK$192,268/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$1,204,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,637
−HK$5,437/mo
▼ 0.25% · 3.875%
HK$103,336
−HK$2,738/mo
Today · 4.125%
HK$106,074
baseline
▲ 0.50% · 4.625%
HK$111,666
+HK$5,592/mo
Deposit HK$8.50M · loan HK$19.84M · min. income ≈ HK$212,148/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$1,204,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,307
−HK$7,294/mo
▼ 0.25% · 3.875%
HK$119,925
−HK$3,676/mo
Today · 4.125%
HK$123,601
baseline
▲ 0.50% · 4.625%
HK$131,122
+HK$7,521/mo
Deposit HK$2.83M · loan HK$25.50M · min. income ≈ HK$247,202/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$1,204,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,391
−HK$6,990/mo
▼ 0.25% · 3.875%
HK$132,861
−HK$3,520/mo
Today · 4.125%
HK$136,381
baseline
▲ 0.50% · 4.625%
HK$143,570
+HK$7,189/mo
Deposit HK$2.83M · loan HK$25.50M · min. income ≈ HK$272,762/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$1,204,313 · Scale 2, in force from 26 Feb 2026)