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$64,782
−HK$4,062/mo
▼ 0.25% · 3.875%
HK$66,797
−HK$2,047/mo
Today · 4.125%
HK$68,844
baseline
▲ 0.50% · 4.625%
HK$73,033
+HK$4,189/mo
Deposit HK$14.20M · loan HK$14.20M · min. income ≈ HK$137,688/mo (50% DSR)
Upfront cash ≈ HK$15.41M (deposit + AVD stamp duty HK$1,207,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,069
−HK$3,894/mo
▼ 0.25% · 3.875%
HK$74,002
−HK$1,961/mo
Today · 4.125%
HK$75,963
baseline
▲ 0.50% · 4.625%
HK$79,967
+HK$4,004/mo
Deposit HK$14.20M · loan HK$14.20M · min. income ≈ HK$151,926/mo (50% DSR)
Upfront cash ≈ HK$15.41M (deposit + AVD stamp duty HK$1,207,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,738
−HK$4,875/mo
▼ 0.25% · 3.875%
HK$80,156
−HK$2,457/mo
Today · 4.125%
HK$82,613
baseline
▲ 0.50% · 4.625%
HK$87,640
+HK$5,027/mo
Deposit HK$11.36M · loan HK$17.05M · min. income ≈ HK$165,226/mo (50% DSR)
Upfront cash ≈ HK$12.57M (deposit + AVD stamp duty HK$1,207,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,483
−HK$4,673/mo
▼ 0.25% · 3.875%
HK$88,803
−HK$2,353/mo
Today · 4.125%
HK$91,156
baseline
▲ 0.50% · 4.625%
HK$95,960
+HK$4,804/mo
Deposit HK$11.36M · loan HK$17.05M · min. income ≈ HK$182,312/mo (50% DSR)
Upfront cash ≈ HK$12.57M (deposit + AVD stamp duty HK$1,207,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,695
−HK$5,687/mo
▼ 0.25% · 3.875%
HK$93,516
−HK$2,866/mo
Today · 4.125%
HK$96,382
baseline
▲ 0.50% · 4.625%
HK$102,247
+HK$5,865/mo
Deposit HK$8.52M · loan HK$19.89M · min. income ≈ HK$192,764/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$1,207,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,897
−HK$5,451/mo
▼ 0.25% · 3.875%
HK$103,603
−HK$2,745/mo
Today · 4.125%
HK$106,348
baseline
▲ 0.50% · 4.625%
HK$111,954
+HK$5,606/mo
Deposit HK$8.52M · loan HK$19.89M · min. income ≈ HK$212,696/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$1,207,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,608
−HK$7,312/mo
▼ 0.25% · 3.875%
HK$120,235
−HK$3,685/mo
Today · 4.125%
HK$123,920
baseline
▲ 0.50% · 4.625%
HK$131,460
+HK$7,540/mo
Deposit HK$2.84M · loan HK$25.57M · min. income ≈ HK$247,840/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$1,207,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,725
−HK$7,008/mo
▼ 0.25% · 3.875%
HK$133,204
−HK$3,529/mo
Today · 4.125%
HK$136,733
baseline
▲ 0.50% · 4.625%
HK$143,941
+HK$7,208/mo
Deposit HK$2.84M · loan HK$25.57M · min. income ≈ HK$273,466/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$1,207,423 · Scale 2, in force from 26 Feb 2026)