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$65,227
−HK$4,090/mo
▼ 0.25% · 3.875%
HK$67,256
−HK$2,061/mo
Today · 4.125%
HK$69,317
baseline
▲ 0.50% · 4.625%
HK$73,535
+HK$4,218/mo
Deposit HK$14.30M · loan HK$14.30M · min. income ≈ HK$138,634/mo (50% DSR)
Upfront cash ≈ HK$15.52M (deposit + AVD stamp duty HK$1,215,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,564
−HK$3,921/mo
▼ 0.25% · 3.875%
HK$74,510
−HK$1,975/mo
Today · 4.125%
HK$76,485
baseline
▲ 0.50% · 4.625%
HK$80,516
+HK$4,031/mo
Deposit HK$14.30M · loan HK$14.30M · min. income ≈ HK$152,970/mo (50% DSR)
Upfront cash ≈ HK$15.52M (deposit + AVD stamp duty HK$1,215,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,272
−HK$4,909/mo
▼ 0.25% · 3.875%
HK$80,707
−HK$2,474/mo
Today · 4.125%
HK$83,181
baseline
▲ 0.50% · 4.625%
HK$88,242
+HK$5,061/mo
Deposit HK$11.44M · loan HK$17.16M · min. income ≈ HK$166,362/mo (50% DSR)
Upfront cash ≈ HK$12.66M (deposit + AVD stamp duty HK$1,215,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,077
−HK$4,705/mo
▼ 0.25% · 3.875%
HK$89,413
−HK$2,369/mo
Today · 4.125%
HK$91,782
baseline
▲ 0.50% · 4.625%
HK$96,620
+HK$4,838/mo
Deposit HK$11.44M · loan HK$17.16M · min. income ≈ HK$183,564/mo (50% DSR)
Upfront cash ≈ HK$12.66M (deposit + AVD stamp duty HK$1,215,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,318
−HK$5,726/mo
▼ 0.25% · 3.875%
HK$94,158
−HK$2,886/mo
Today · 4.125%
HK$97,044
baseline
▲ 0.50% · 4.625%
HK$102,949
+HK$5,905/mo
Deposit HK$8.58M · loan HK$20.02M · min. income ≈ HK$194,088/mo (50% DSR)
Upfront cash ≈ HK$9.80M (deposit + AVD stamp duty HK$1,215,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,590
−HK$5,489/mo
▼ 0.25% · 3.875%
HK$104,315
−HK$2,764/mo
Today · 4.125%
HK$107,079
baseline
▲ 0.50% · 4.625%
HK$112,723
+HK$5,644/mo
Deposit HK$8.58M · loan HK$20.02M · min. income ≈ HK$214,158/mo (50% DSR)
Upfront cash ≈ HK$9.80M (deposit + AVD stamp duty HK$1,215,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,409
−HK$7,362/mo
▼ 0.25% · 3.875%
HK$121,061
−HK$3,710/mo
Today · 4.125%
HK$124,771
baseline
▲ 0.50% · 4.625%
HK$132,363
+HK$7,592/mo
Deposit HK$2.86M · loan HK$25.74M · min. income ≈ HK$249,542/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$1,215,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,616
−HK$7,057/mo
▼ 0.25% · 3.875%
HK$134,119
−HK$3,554/mo
Today · 4.125%
HK$137,673
baseline
▲ 0.50% · 4.625%
HK$144,929
+HK$7,256/mo
Deposit HK$2.86M · loan HK$25.74M · min. income ≈ HK$275,346/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$1,215,717 · Scale 2, in force from 26 Feb 2026)