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$64,106
−HK$4,020/mo
▼ 0.25% · 3.875%
HK$66,100
−HK$2,026/mo
Today · 4.125%
HK$68,126
baseline
▲ 0.50% · 4.625%
HK$72,272
+HK$4,146/mo
Deposit HK$14.06M · loan HK$14.06M · min. income ≈ HK$136,252/mo (50% DSR)
Upfront cash ≈ HK$15.25M (deposit + AVD stamp duty HK$1,194,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,318
−HK$3,853/mo
▼ 0.25% · 3.875%
HK$73,230
−HK$1,941/mo
Today · 4.125%
HK$75,171
baseline
▲ 0.50% · 4.625%
HK$79,133
+HK$3,962/mo
Deposit HK$14.06M · loan HK$14.06M · min. income ≈ HK$150,342/mo (50% DSR)
Upfront cash ≈ HK$15.25M (deposit + AVD stamp duty HK$1,194,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,928
−HK$4,824/mo
▼ 0.25% · 3.875%
HK$79,321
−HK$2,431/mo
Today · 4.125%
HK$81,752
baseline
▲ 0.50% · 4.625%
HK$86,726
+HK$4,974/mo
Deposit HK$11.25M · loan HK$16.87M · min. income ≈ HK$163,504/mo (50% DSR)
Upfront cash ≈ HK$12.44M (deposit + AVD stamp duty HK$1,194,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,581
−HK$4,624/mo
▼ 0.25% · 3.875%
HK$87,877
−HK$2,328/mo
Today · 4.125%
HK$90,205
baseline
▲ 0.50% · 4.625%
HK$94,960
+HK$4,755/mo
Deposit HK$11.25M · loan HK$16.87M · min. income ≈ HK$180,410/mo (50% DSR)
Upfront cash ≈ HK$12.44M (deposit + AVD stamp duty HK$1,194,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,749
−HK$5,628/mo
▼ 0.25% · 3.875%
HK$92,541
−HK$2,836/mo
Today · 4.125%
HK$95,377
baseline
▲ 0.50% · 4.625%
HK$101,181
+HK$5,804/mo
Deposit HK$8.43M · loan HK$19.68M · min. income ≈ HK$190,754/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$1,194,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,845
−HK$5,394/mo
▼ 0.25% · 3.875%
HK$102,523
−HK$2,716/mo
Today · 4.125%
HK$105,239
baseline
▲ 0.50% · 4.625%
HK$110,786
+HK$5,547/mo
Deposit HK$8.43M · loan HK$19.68M · min. income ≈ HK$210,478/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$1,194,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,392
−HK$7,236/mo
▼ 0.25% · 3.875%
HK$118,981
−HK$3,647/mo
Today · 4.125%
HK$122,628
baseline
▲ 0.50% · 4.625%
HK$130,089
+HK$7,461/mo
Deposit HK$2.81M · loan HK$25.30M · min. income ≈ HK$245,256/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$1,194,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,372
−HK$6,935/mo
▼ 0.25% · 3.875%
HK$131,815
−HK$3,492/mo
Today · 4.125%
HK$135,307
baseline
▲ 0.50% · 4.625%
HK$142,440
+HK$7,133/mo
Deposit HK$2.81M · loan HK$25.30M · min. income ≈ HK$270,614/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$1,194,832 · Scale 2, in force from 26 Feb 2026)