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$65,466
−HK$4,106/mo
▼ 0.25% · 3.875%
HK$67,503
−HK$2,069/mo
Today · 4.125%
HK$69,572
baseline
▲ 0.50% · 4.625%
HK$73,805
+HK$4,233/mo
Deposit HK$14.36M · loan HK$14.36M · min. income ≈ HK$139,144/mo (50% DSR)
Upfront cash ≈ HK$15.58M (deposit + AVD stamp duty HK$1,220,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,831
−HK$3,935/mo
▼ 0.25% · 3.875%
HK$74,784
−HK$1,982/mo
Today · 4.125%
HK$76,766
baseline
▲ 0.50% · 4.625%
HK$80,812
+HK$4,046/mo
Deposit HK$14.36M · loan HK$14.36M · min. income ≈ HK$153,532/mo (50% DSR)
Upfront cash ≈ HK$15.58M (deposit + AVD stamp duty HK$1,220,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,560
−HK$4,926/mo
▼ 0.25% · 3.875%
HK$81,003
−HK$2,483/mo
Today · 4.125%
HK$83,486
baseline
▲ 0.50% · 4.625%
HK$88,566
+HK$5,080/mo
Deposit HK$11.48M · loan HK$17.23M · min. income ≈ HK$166,972/mo (50% DSR)
Upfront cash ≈ HK$12.70M (deposit + AVD stamp duty HK$1,220,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,397
−HK$4,722/mo
▼ 0.25% · 3.875%
HK$89,741
−HK$2,378/mo
Today · 4.125%
HK$92,119
baseline
▲ 0.50% · 4.625%
HK$96,974
+HK$4,855/mo
Deposit HK$11.48M · loan HK$17.23M · min. income ≈ HK$184,238/mo (50% DSR)
Upfront cash ≈ HK$12.70M (deposit + AVD stamp duty HK$1,220,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,653
−HK$5,747/mo
▼ 0.25% · 3.875%
HK$94,504
−HK$2,896/mo
Today · 4.125%
HK$97,400
baseline
▲ 0.50% · 4.625%
HK$103,327
+HK$5,927/mo
Deposit HK$8.61M · loan HK$20.10M · min. income ≈ HK$194,800/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$1,220,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,963
−HK$5,509/mo
▼ 0.25% · 3.875%
HK$104,698
−HK$2,774/mo
Today · 4.125%
HK$107,472
baseline
▲ 0.50% · 4.625%
HK$113,137
+HK$5,665/mo
Deposit HK$8.61M · loan HK$20.10M · min. income ≈ HK$214,944/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$1,220,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,839
−HK$7,390/mo
▼ 0.25% · 3.875%
HK$121,505
−HK$3,724/mo
Today · 4.125%
HK$125,229
baseline
▲ 0.50% · 4.625%
HK$132,849
+HK$7,620/mo
Deposit HK$2.87M · loan HK$25.84M · min. income ≈ HK$250,458/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$1,220,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,095
−HK$7,083/mo
▼ 0.25% · 3.875%
HK$134,611
−HK$3,567/mo
Today · 4.125%
HK$138,178
baseline
▲ 0.50% · 4.625%
HK$145,461
+HK$7,283/mo
Deposit HK$2.87M · loan HK$25.84M · min. income ≈ HK$276,356/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$1,220,180 · Scale 2, in force from 26 Feb 2026)