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$64,298
−HK$4,032/mo
▼ 0.25% · 3.875%
HK$66,298
−HK$2,032/mo
Today · 4.125%
HK$68,330
baseline
▲ 0.50% · 4.625%
HK$72,488
+HK$4,158/mo
Deposit HK$14.10M · loan HK$14.10M · min. income ≈ HK$136,660/mo (50% DSR)
Upfront cash ≈ HK$15.30M (deposit + AVD stamp duty HK$1,198,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,531
−HK$3,864/mo
▼ 0.25% · 3.875%
HK$73,449
−HK$1,946/mo
Today · 4.125%
HK$75,395
baseline
▲ 0.50% · 4.625%
HK$79,369
+HK$3,974/mo
Deposit HK$14.10M · loan HK$14.10M · min. income ≈ HK$150,790/mo (50% DSR)
Upfront cash ≈ HK$15.30M (deposit + AVD stamp duty HK$1,198,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,157
−HK$4,839/mo
▼ 0.25% · 3.875%
HK$79,557
−HK$2,439/mo
Today · 4.125%
HK$81,996
baseline
▲ 0.50% · 4.625%
HK$86,985
+HK$4,989/mo
Deposit HK$11.28M · loan HK$16.92M · min. income ≈ HK$163,992/mo (50% DSR)
Upfront cash ≈ HK$12.48M (deposit + AVD stamp duty HK$1,198,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,837
−HK$4,637/mo
▼ 0.25% · 3.875%
HK$88,139
−HK$2,335/mo
Today · 4.125%
HK$90,474
baseline
▲ 0.50% · 4.625%
HK$95,243
+HK$4,769/mo
Deposit HK$11.28M · loan HK$16.92M · min. income ≈ HK$180,948/mo (50% DSR)
Upfront cash ≈ HK$12.48M (deposit + AVD stamp duty HK$1,198,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,017
−HK$5,645/mo
▼ 0.25% · 3.875%
HK$92,817
−HK$2,845/mo
Today · 4.125%
HK$95,662
baseline
▲ 0.50% · 4.625%
HK$101,483
+HK$5,821/mo
Deposit HK$8.46M · loan HK$19.74M · min. income ≈ HK$191,324/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$1,198,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,143
−HK$5,410/mo
▼ 0.25% · 3.875%
HK$102,829
−HK$2,724/mo
Today · 4.125%
HK$105,553
baseline
▲ 0.50% · 4.625%
HK$111,117
+HK$5,564/mo
Deposit HK$8.46M · loan HK$19.74M · min. income ≈ HK$211,106/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$1,198,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,736
−HK$7,258/mo
▼ 0.25% · 3.875%
HK$119,336
−HK$3,658/mo
Today · 4.125%
HK$122,994
baseline
▲ 0.50% · 4.625%
HK$130,478
+HK$7,484/mo
Deposit HK$2.82M · loan HK$25.38M · min. income ≈ HK$245,988/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$1,198,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,755
−HK$6,956/mo
▼ 0.25% · 3.875%
HK$132,208
−HK$3,503/mo
Today · 4.125%
HK$135,711
baseline
▲ 0.50% · 4.625%
HK$142,865
+HK$7,154/mo
Deposit HK$2.82M · loan HK$25.38M · min. income ≈ HK$271,422/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$1,198,399 · Scale 2, in force from 26 Feb 2026)