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$64,848
−HK$4,066/mo
▼ 0.25% · 3.875%
HK$66,865
−HK$2,049/mo
Today · 4.125%
HK$68,914
baseline
▲ 0.50% · 4.625%
HK$73,108
+HK$4,194/mo
Deposit HK$14.22M · loan HK$14.22M · min. income ≈ HK$137,828/mo (50% DSR)
Upfront cash ≈ HK$15.43M (deposit + AVD stamp duty HK$1,208,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,143
−HK$3,897/mo
▼ 0.25% · 3.875%
HK$74,077
−HK$1,963/mo
Today · 4.125%
HK$76,040
baseline
▲ 0.50% · 4.625%
HK$80,048
+HK$4,008/mo
Deposit HK$14.22M · loan HK$14.22M · min. income ≈ HK$152,080/mo (50% DSR)
Upfront cash ≈ HK$15.43M (deposit + AVD stamp duty HK$1,208,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,817
−HK$4,880/mo
▼ 0.25% · 3.875%
HK$80,238
−HK$2,459/mo
Today · 4.125%
HK$82,697
baseline
▲ 0.50% · 4.625%
HK$87,729
+HK$5,032/mo
Deposit HK$11.38M · loan HK$17.06M · min. income ≈ HK$165,394/mo (50% DSR)
Upfront cash ≈ HK$12.58M (deposit + AVD stamp duty HK$1,208,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,571
−HK$4,677/mo
▼ 0.25% · 3.875%
HK$88,893
−HK$2,355/mo
Today · 4.125%
HK$91,248
baseline
▲ 0.50% · 4.625%
HK$96,058
+HK$4,810/mo
Deposit HK$11.38M · loan HK$17.06M · min. income ≈ HK$182,496/mo (50% DSR)
Upfront cash ≈ HK$12.58M (deposit + AVD stamp duty HK$1,208,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,787
−HK$5,693/mo
▼ 0.25% · 3.875%
HK$93,611
−HK$2,869/mo
Today · 4.125%
HK$96,480
baseline
▲ 0.50% · 4.625%
HK$102,351
+HK$5,871/mo
Deposit HK$8.53M · loan HK$19.91M · min. income ≈ HK$192,960/mo (50% DSR)
Upfront cash ≈ HK$9.74M (deposit + AVD stamp duty HK$1,208,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,000
−HK$5,456/mo
▼ 0.25% · 3.875%
HK$103,708
−HK$2,748/mo
Today · 4.125%
HK$106,456
baseline
▲ 0.50% · 4.625%
HK$112,068
+HK$5,612/mo
Deposit HK$8.53M · loan HK$19.91M · min. income ≈ HK$212,912/mo (50% DSR)
Upfront cash ≈ HK$9.74M (deposit + AVD stamp duty HK$1,208,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,726
−HK$7,320/mo
▼ 0.25% · 3.875%
HK$120,357
−HK$3,689/mo
Today · 4.125%
HK$124,046
baseline
▲ 0.50% · 4.625%
HK$131,594
+HK$7,548/mo
Deposit HK$2.84M · loan HK$25.59M · min. income ≈ HK$248,092/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$1,208,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,857
−HK$7,015/mo
▼ 0.25% · 3.875%
HK$133,339
−HK$3,533/mo
Today · 4.125%
HK$136,872
baseline
▲ 0.50% · 4.625%
HK$144,087
+HK$7,215/mo
Deposit HK$2.84M · loan HK$25.59M · min. income ≈ HK$273,744/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$1,208,651 · Scale 2, in force from 26 Feb 2026)