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$65,560
−HK$4,112/mo
▼ 0.25% · 3.875%
HK$67,600
−HK$2,072/mo
Today · 4.125%
HK$69,672
baseline
▲ 0.50% · 4.625%
HK$73,911
+HK$4,239/mo
Deposit HK$14.38M · loan HK$14.38M · min. income ≈ HK$139,344/mo (50% DSR)
Upfront cash ≈ HK$15.60M (deposit + AVD stamp duty HK$1,221,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,935
−HK$3,941/mo
▼ 0.25% · 3.875%
HK$74,891
−HK$1,985/mo
Today · 4.125%
HK$76,876
baseline
▲ 0.50% · 4.625%
HK$80,928
+HK$4,052/mo
Deposit HK$14.38M · loan HK$14.38M · min. income ≈ HK$153,752/mo (50% DSR)
Upfront cash ≈ HK$15.60M (deposit + AVD stamp duty HK$1,221,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,672
−HK$4,934/mo
▼ 0.25% · 3.875%
HK$81,120
−HK$2,486/mo
Today · 4.125%
HK$83,606
baseline
▲ 0.50% · 4.625%
HK$88,693
+HK$5,087/mo
Deposit HK$11.50M · loan HK$17.25M · min. income ≈ HK$167,212/mo (50% DSR)
Upfront cash ≈ HK$12.72M (deposit + AVD stamp duty HK$1,221,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,522
−HK$4,729/mo
▼ 0.25% · 3.875%
HK$89,870
−HK$2,381/mo
Today · 4.125%
HK$92,251
baseline
▲ 0.50% · 4.625%
HK$97,114
+HK$4,863/mo
Deposit HK$11.50M · loan HK$17.25M · min. income ≈ HK$184,502/mo (50% DSR)
Upfront cash ≈ HK$12.72M (deposit + AVD stamp duty HK$1,221,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,785
−HK$5,755/mo
▼ 0.25% · 3.875%
HK$94,640
−HK$2,900/mo
Today · 4.125%
HK$97,540
baseline
▲ 0.50% · 4.625%
HK$103,475
+HK$5,935/mo
Deposit HK$8.63M · loan HK$20.13M · min. income ≈ HK$195,080/mo (50% DSR)
Upfront cash ≈ HK$9.85M (deposit + AVD stamp duty HK$1,221,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,109
−HK$5,517/mo
▼ 0.25% · 3.875%
HK$104,848
−HK$2,778/mo
Today · 4.125%
HK$107,626
baseline
▲ 0.50% · 4.625%
HK$113,299
+HK$5,673/mo
Deposit HK$8.63M · loan HK$20.13M · min. income ≈ HK$215,252/mo (50% DSR)
Upfront cash ≈ HK$9.85M (deposit + AVD stamp duty HK$1,221,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,009
−HK$7,400/mo
▼ 0.25% · 3.875%
HK$121,679
−HK$3,730/mo
Today · 4.125%
HK$125,409
baseline
▲ 0.50% · 4.625%
HK$133,040
+HK$7,631/mo
Deposit HK$2.88M · loan HK$25.88M · min. income ≈ HK$250,818/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$1,221,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,283
−HK$7,093/mo
▼ 0.25% · 3.875%
HK$134,804
−HK$3,572/mo
Today · 4.125%
HK$138,376
baseline
▲ 0.50% · 4.625%
HK$145,670
+HK$7,294/mo
Deposit HK$2.88M · loan HK$25.88M · min. income ≈ HK$276,752/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$1,221,931 · Scale 2, in force from 26 Feb 2026)