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$65,049
−HK$4,079/mo
▼ 0.25% · 3.875%
HK$67,073
−HK$2,055/mo
Today · 4.125%
HK$69,128
baseline
▲ 0.50% · 4.625%
HK$73,335
+HK$4,207/mo
Deposit HK$14.26M · loan HK$14.26M · min. income ≈ HK$138,256/mo (50% DSR)
Upfront cash ≈ HK$15.48M (deposit + AVD stamp duty HK$1,212,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,367
−HK$3,909/mo
▼ 0.25% · 3.875%
HK$74,307
−HK$1,969/mo
Today · 4.125%
HK$76,276
baseline
▲ 0.50% · 4.625%
HK$80,297
+HK$4,021/mo
Deposit HK$14.26M · loan HK$14.26M · min. income ≈ HK$152,552/mo (50% DSR)
Upfront cash ≈ HK$15.48M (deposit + AVD stamp duty HK$1,212,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,059
−HK$4,895/mo
▼ 0.25% · 3.875%
HK$80,487
−HK$2,467/mo
Today · 4.125%
HK$82,954
baseline
▲ 0.50% · 4.625%
HK$88,002
+HK$5,048/mo
Deposit HK$11.41M · loan HK$17.12M · min. income ≈ HK$165,908/mo (50% DSR)
Upfront cash ≈ HK$12.62M (deposit + AVD stamp duty HK$1,212,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,840
−HK$4,692/mo
▼ 0.25% · 3.875%
HK$89,169
−HK$2,363/mo
Today · 4.125%
HK$91,532
baseline
▲ 0.50% · 4.625%
HK$96,356
+HK$4,824/mo
Deposit HK$11.41M · loan HK$17.12M · min. income ≈ HK$183,064/mo (50% DSR)
Upfront cash ≈ HK$12.62M (deposit + AVD stamp duty HK$1,212,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,069
−HK$5,711/mo
▼ 0.25% · 3.875%
HK$93,902
−HK$2,878/mo
Today · 4.125%
HK$96,780
baseline
▲ 0.50% · 4.625%
HK$102,669
+HK$5,889/mo
Deposit HK$8.56M · loan HK$19.97M · min. income ≈ HK$193,560/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$1,212,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,313
−HK$5,474/mo
▼ 0.25% · 3.875%
HK$104,030
−HK$2,757/mo
Today · 4.125%
HK$106,787
baseline
▲ 0.50% · 4.625%
HK$112,416
+HK$5,629/mo
Deposit HK$8.56M · loan HK$19.97M · min. income ≈ HK$213,574/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$1,212,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,089
−HK$7,342/mo
▼ 0.25% · 3.875%
HK$120,731
−HK$3,700/mo
Today · 4.125%
HK$124,431
baseline
▲ 0.50% · 4.625%
HK$132,002
+HK$7,571/mo
Deposit HK$2.85M · loan HK$25.67M · min. income ≈ HK$248,862/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$1,212,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,260
−HK$7,037/mo
▼ 0.25% · 3.875%
HK$133,753
−HK$3,544/mo
Today · 4.125%
HK$137,297
baseline
▲ 0.50% · 4.625%
HK$144,535
+HK$7,238/mo
Deposit HK$2.85M · loan HK$25.67M · min. income ≈ HK$274,594/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$1,212,404 · Scale 2, in force from 26 Feb 2026)