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$64,268
−HK$4,030/mo
▼ 0.25% · 3.875%
HK$66,267
−HK$2,031/mo
Today · 4.125%
HK$68,298
baseline
▲ 0.50% · 4.625%
HK$72,454
+HK$4,156/mo
Deposit HK$14.09M · loan HK$14.09M · min. income ≈ HK$136,596/mo (50% DSR)
Upfront cash ≈ HK$15.29M (deposit + AVD stamp duty HK$1,197,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,498
−HK$3,863/mo
▼ 0.25% · 3.875%
HK$73,415
−HK$1,946/mo
Today · 4.125%
HK$75,361
baseline
▲ 0.50% · 4.625%
HK$79,333
+HK$3,972/mo
Deposit HK$14.09M · loan HK$14.09M · min. income ≈ HK$150,722/mo (50% DSR)
Upfront cash ≈ HK$15.29M (deposit + AVD stamp duty HK$1,197,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,122
−HK$4,836/mo
▼ 0.25% · 3.875%
HK$79,521
−HK$2,437/mo
Today · 4.125%
HK$81,958
baseline
▲ 0.50% · 4.625%
HK$86,945
+HK$4,987/mo
Deposit HK$11.27M · loan HK$16.91M · min. income ≈ HK$163,916/mo (50% DSR)
Upfront cash ≈ HK$12.47M (deposit + AVD stamp duty HK$1,197,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,797
−HK$4,636/mo
▼ 0.25% · 3.875%
HK$88,098
−HK$2,335/mo
Today · 4.125%
HK$90,433
baseline
▲ 0.50% · 4.625%
HK$95,200
+HK$4,767/mo
Deposit HK$11.27M · loan HK$16.91M · min. income ≈ HK$180,866/mo (50% DSR)
Upfront cash ≈ HK$12.47M (deposit + AVD stamp duty HK$1,197,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,976
−HK$5,642/mo
▼ 0.25% · 3.875%
HK$92,774
−HK$2,844/mo
Today · 4.125%
HK$95,618
baseline
▲ 0.50% · 4.625%
HK$101,436
+HK$5,818/mo
Deposit HK$8.46M · loan HK$19.73M · min. income ≈ HK$191,236/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$1,197,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,097
−HK$5,408/mo
▼ 0.25% · 3.875%
HK$102,781
−HK$2,724/mo
Today · 4.125%
HK$105,505
baseline
▲ 0.50% · 4.625%
HK$111,066
+HK$5,561/mo
Deposit HK$8.46M · loan HK$19.73M · min. income ≈ HK$211,010/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$1,197,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,683
−HK$7,254/mo
▼ 0.25% · 3.875%
HK$119,281
−HK$3,656/mo
Today · 4.125%
HK$122,937
baseline
▲ 0.50% · 4.625%
HK$130,418
+HK$7,481/mo
Deposit HK$2.82M · loan HK$25.37M · min. income ≈ HK$245,874/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$1,197,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,696
−HK$6,953/mo
▼ 0.25% · 3.875%
HK$132,148
−HK$3,501/mo
Today · 4.125%
HK$135,649
baseline
▲ 0.50% · 4.625%
HK$142,799
+HK$7,150/mo
Deposit HK$2.82M · loan HK$25.37M · min. income ≈ HK$271,298/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$1,197,849 · Scale 2, in force from 26 Feb 2026)