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$65,456
−HK$4,104/mo
▼ 0.25% · 3.875%
HK$67,492
−HK$2,068/mo
Today · 4.125%
HK$69,560
baseline
▲ 0.50% · 4.625%
HK$73,793
+HK$4,233/mo
Deposit HK$14.35M · loan HK$14.35M · min. income ≈ HK$139,120/mo (50% DSR)
Upfront cash ≈ HK$15.57M (deposit + AVD stamp duty HK$1,219,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,819
−HK$3,934/mo
▼ 0.25% · 3.875%
HK$74,772
−HK$1,981/mo
Today · 4.125%
HK$76,753
baseline
▲ 0.50% · 4.625%
HK$80,799
+HK$4,046/mo
Deposit HK$14.35M · loan HK$14.35M · min. income ≈ HK$153,506/mo (50% DSR)
Upfront cash ≈ HK$15.57M (deposit + AVD stamp duty HK$1,219,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,547
−HK$4,926/mo
▼ 0.25% · 3.875%
HK$80,990
−HK$2,483/mo
Today · 4.125%
HK$83,473
baseline
▲ 0.50% · 4.625%
HK$88,552
+HK$5,079/mo
Deposit HK$11.48M · loan HK$17.22M · min. income ≈ HK$166,946/mo (50% DSR)
Upfront cash ≈ HK$12.70M (deposit + AVD stamp duty HK$1,219,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,383
−HK$4,721/mo
▼ 0.25% · 3.875%
HK$89,726
−HK$2,378/mo
Today · 4.125%
HK$92,104
baseline
▲ 0.50% · 4.625%
HK$96,959
+HK$4,855/mo
Deposit HK$11.48M · loan HK$17.22M · min. income ≈ HK$184,208/mo (50% DSR)
Upfront cash ≈ HK$12.70M (deposit + AVD stamp duty HK$1,219,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,638
−HK$5,747/mo
▼ 0.25% · 3.875%
HK$94,489
−HK$2,896/mo
Today · 4.125%
HK$97,385
baseline
▲ 0.50% · 4.625%
HK$103,310
+HK$5,925/mo
Deposit HK$8.61M · loan HK$20.09M · min. income ≈ HK$194,770/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$1,219,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,946
−HK$5,508/mo
▼ 0.25% · 3.875%
HK$104,681
−HK$2,773/mo
Today · 4.125%
HK$107,454
baseline
▲ 0.50% · 4.625%
HK$113,118
+HK$5,664/mo
Deposit HK$8.61M · loan HK$20.09M · min. income ≈ HK$214,908/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$1,219,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,820
−HK$7,389/mo
▼ 0.25% · 3.875%
HK$121,485
−HK$3,724/mo
Today · 4.125%
HK$125,209
baseline
▲ 0.50% · 4.625%
HK$132,827
+HK$7,618/mo
Deposit HK$2.87M · loan HK$25.83M · min. income ≈ HK$250,418/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$1,219,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,074
−HK$7,082/mo
▼ 0.25% · 3.875%
HK$134,589
−HK$3,567/mo
Today · 4.125%
HK$138,156
baseline
▲ 0.50% · 4.625%
HK$145,438
+HK$7,282/mo
Deposit HK$2.87M · loan HK$25.83M · min. income ≈ HK$276,312/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$1,219,982 · Scale 2, in force from 26 Feb 2026)