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$64,092
−HK$4,019/mo
▼ 0.25% · 3.875%
HK$66,086
−HK$2,025/mo
Today · 4.125%
HK$68,111
baseline
▲ 0.50% · 4.625%
HK$72,256
+HK$4,145/mo
Deposit HK$14.05M · loan HK$14.05M · min. income ≈ HK$136,222/mo (50% DSR)
Upfront cash ≈ HK$15.25M (deposit + AVD stamp duty HK$1,194,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,302
−HK$3,852/mo
▼ 0.25% · 3.875%
HK$73,214
−HK$1,940/mo
Today · 4.125%
HK$75,154
baseline
▲ 0.50% · 4.625%
HK$79,116
+HK$3,962/mo
Deposit HK$14.05M · loan HK$14.05M · min. income ≈ HK$150,308/mo (50% DSR)
Upfront cash ≈ HK$15.25M (deposit + AVD stamp duty HK$1,194,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,911
−HK$4,823/mo
▼ 0.25% · 3.875%
HK$79,303
−HK$2,431/mo
Today · 4.125%
HK$81,734
baseline
▲ 0.50% · 4.625%
HK$86,707
+HK$4,973/mo
Deposit HK$11.24M · loan HK$16.86M · min. income ≈ HK$163,468/mo (50% DSR)
Upfront cash ≈ HK$12.44M (deposit + AVD stamp duty HK$1,194,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,562
−HK$4,623/mo
▼ 0.25% · 3.875%
HK$87,857
−HK$2,328/mo
Today · 4.125%
HK$90,185
baseline
▲ 0.50% · 4.625%
HK$94,939
+HK$4,754/mo
Deposit HK$11.24M · loan HK$16.86M · min. income ≈ HK$180,370/mo (50% DSR)
Upfront cash ≈ HK$12.44M (deposit + AVD stamp duty HK$1,194,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,729
−HK$5,627/mo
▼ 0.25% · 3.875%
HK$92,520
−HK$2,836/mo
Today · 4.125%
HK$95,356
baseline
▲ 0.50% · 4.625%
HK$101,158
+HK$5,802/mo
Deposit HK$8.43M · loan HK$19.68M · min. income ≈ HK$190,712/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$1,194,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,823
−HK$5,393/mo
▼ 0.25% · 3.875%
HK$102,500
−HK$2,716/mo
Today · 4.125%
HK$105,216
baseline
▲ 0.50% · 4.625%
HK$110,762
+HK$5,546/mo
Deposit HK$8.43M · loan HK$19.68M · min. income ≈ HK$210,432/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$1,194,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,366
−HK$7,234/mo
▼ 0.25% · 3.875%
HK$118,954
−HK$3,646/mo
Today · 4.125%
HK$122,600
baseline
▲ 0.50% · 4.625%
HK$130,060
+HK$7,460/mo
Deposit HK$2.81M · loan HK$25.30M · min. income ≈ HK$245,200/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$1,194,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,343
−HK$6,934/mo
▼ 0.25% · 3.875%
HK$131,785
−HK$3,492/mo
Today · 4.125%
HK$135,277
baseline
▲ 0.50% · 4.625%
HK$142,408
+HK$7,131/mo
Deposit HK$2.81M · loan HK$25.30M · min. income ≈ HK$270,554/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$1,194,566 · Scale 2, in force from 26 Feb 2026)