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$64,365
−HK$4,036/mo
▼ 0.25% · 3.875%
HK$66,367
−HK$2,034/mo
Today · 4.125%
HK$68,401
baseline
▲ 0.50% · 4.625%
HK$72,564
+HK$4,163/mo
Deposit HK$14.11M · loan HK$14.11M · min. income ≈ HK$136,802/mo (50% DSR)
Upfront cash ≈ HK$15.31M (deposit + AVD stamp duty HK$1,199,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,606
−HK$3,868/mo
▼ 0.25% · 3.875%
HK$73,526
−HK$1,948/mo
Today · 4.125%
HK$75,474
baseline
▲ 0.50% · 4.625%
HK$79,453
+HK$3,979/mo
Deposit HK$14.11M · loan HK$14.11M · min. income ≈ HK$150,948/mo (50% DSR)
Upfront cash ≈ HK$15.31M (deposit + AVD stamp duty HK$1,199,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,238
−HK$4,844/mo
▼ 0.25% · 3.875%
HK$79,641
−HK$2,441/mo
Today · 4.125%
HK$82,082
baseline
▲ 0.50% · 4.625%
HK$87,076
+HK$4,994/mo
Deposit HK$11.29M · loan HK$16.94M · min. income ≈ HK$164,164/mo (50% DSR)
Upfront cash ≈ HK$12.49M (deposit + AVD stamp duty HK$1,199,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,927
−HK$4,642/mo
▼ 0.25% · 3.875%
HK$88,231
−HK$2,338/mo
Today · 4.125%
HK$90,569
baseline
▲ 0.50% · 4.625%
HK$95,343
+HK$4,774/mo
Deposit HK$11.29M · loan HK$16.94M · min. income ≈ HK$181,138/mo (50% DSR)
Upfront cash ≈ HK$12.49M (deposit + AVD stamp duty HK$1,199,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,111
−HK$5,651/mo
▼ 0.25% · 3.875%
HK$92,914
−HK$2,848/mo
Today · 4.125%
HK$95,762
baseline
▲ 0.50% · 4.625%
HK$101,589
+HK$5,827/mo
Deposit HK$8.47M · loan HK$19.76M · min. income ≈ HK$191,524/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$1,199,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,248
−HK$5,416/mo
▼ 0.25% · 3.875%
HK$102,937
−HK$2,727/mo
Today · 4.125%
HK$105,664
baseline
▲ 0.50% · 4.625%
HK$111,234
+HK$5,570/mo
Deposit HK$8.47M · loan HK$19.76M · min. income ≈ HK$211,328/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$1,199,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,857
−HK$7,266/mo
▼ 0.25% · 3.875%
HK$119,461
−HK$3,662/mo
Today · 4.125%
HK$123,123
baseline
▲ 0.50% · 4.625%
HK$130,614
+HK$7,491/mo
Deposit HK$2.82M · loan HK$25.40M · min. income ≈ HK$246,246/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$1,199,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,890
−HK$6,964/mo
▼ 0.25% · 3.875%
HK$132,347
−HK$3,507/mo
Today · 4.125%
HK$135,854
baseline
▲ 0.50% · 4.625%
HK$143,015
+HK$7,161/mo
Deposit HK$2.82M · loan HK$25.40M · min. income ≈ HK$271,708/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$1,199,656 · Scale 2, in force from 26 Feb 2026)