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$65,446
−HK$4,104/mo
▼ 0.25% · 3.875%
HK$67,482
−HK$2,068/mo
Today · 4.125%
HK$69,550
baseline
▲ 0.50% · 4.625%
HK$73,782
+HK$4,232/mo
Deposit HK$14.35M · loan HK$14.35M · min. income ≈ HK$139,100/mo (50% DSR)
Upfront cash ≈ HK$15.57M (deposit + AVD stamp duty HK$1,219,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,808
−HK$3,934/mo
▼ 0.25% · 3.875%
HK$74,761
−HK$1,981/mo
Today · 4.125%
HK$76,742
baseline
▲ 0.50% · 4.625%
HK$80,787
+HK$4,045/mo
Deposit HK$14.35M · loan HK$14.35M · min. income ≈ HK$153,484/mo (50% DSR)
Upfront cash ≈ HK$15.57M (deposit + AVD stamp duty HK$1,219,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,535
−HK$4,925/mo
▼ 0.25% · 3.875%
HK$80,978
−HK$2,482/mo
Today · 4.125%
HK$83,460
baseline
▲ 0.50% · 4.625%
HK$88,539
+HK$5,079/mo
Deposit HK$11.48M · loan HK$17.22M · min. income ≈ HK$166,920/mo (50% DSR)
Upfront cash ≈ HK$12.70M (deposit + AVD stamp duty HK$1,219,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,370
−HK$4,720/mo
▼ 0.25% · 3.875%
HK$89,713
−HK$2,377/mo
Today · 4.125%
HK$92,090
baseline
▲ 0.50% · 4.625%
HK$96,944
+HK$4,854/mo
Deposit HK$11.48M · loan HK$17.22M · min. income ≈ HK$184,180/mo (50% DSR)
Upfront cash ≈ HK$12.70M (deposit + AVD stamp duty HK$1,219,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,625
−HK$5,745/mo
▼ 0.25% · 3.875%
HK$94,475
−HK$2,895/mo
Today · 4.125%
HK$97,370
baseline
▲ 0.50% · 4.625%
HK$103,295
+HK$5,925/mo
Deposit HK$8.61M · loan HK$20.09M · min. income ≈ HK$194,740/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$1,219,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,931
−HK$5,507/mo
▼ 0.25% · 3.875%
HK$104,665
−HK$2,773/mo
Today · 4.125%
HK$107,438
baseline
▲ 0.50% · 4.625%
HK$113,102
+HK$5,664/mo
Deposit HK$8.61M · loan HK$20.09M · min. income ≈ HK$214,876/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$1,219,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,803
−HK$7,387/mo
▼ 0.25% · 3.875%
HK$121,467
−HK$3,723/mo
Today · 4.125%
HK$125,190
baseline
▲ 0.50% · 4.625%
HK$132,808
+HK$7,618/mo
Deposit HK$2.87M · loan HK$25.83M · min. income ≈ HK$250,380/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$1,219,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,055
−HK$7,080/mo
▼ 0.25% · 3.875%
HK$134,569
−HK$3,566/mo
Today · 4.125%
HK$138,135
baseline
▲ 0.50% · 4.625%
HK$145,416
+HK$7,281/mo
Deposit HK$2.87M · loan HK$25.83M · min. income ≈ HK$276,270/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$1,219,801 · Scale 2, in force from 26 Feb 2026)