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$64,272
−HK$4,030/mo
▼ 0.25% · 3.875%
HK$66,271
−HK$2,031/mo
Today · 4.125%
HK$68,302
baseline
▲ 0.50% · 4.625%
HK$72,458
+HK$4,156/mo
Deposit HK$14.09M · loan HK$14.09M · min. income ≈ HK$136,604/mo (50% DSR)
Upfront cash ≈ HK$15.29M (deposit + AVD stamp duty HK$1,197,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,502
−HK$3,863/mo
▼ 0.25% · 3.875%
HK$73,419
−HK$1,946/mo
Today · 4.125%
HK$75,365
baseline
▲ 0.50% · 4.625%
HK$79,337
+HK$3,972/mo
Deposit HK$14.09M · loan HK$14.09M · min. income ≈ HK$150,730/mo (50% DSR)
Upfront cash ≈ HK$15.29M (deposit + AVD stamp duty HK$1,197,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,126
−HK$4,837/mo
▼ 0.25% · 3.875%
HK$79,525
−HK$2,438/mo
Today · 4.125%
HK$81,963
baseline
▲ 0.50% · 4.625%
HK$86,950
+HK$4,987/mo
Deposit HK$11.27M · loan HK$16.91M · min. income ≈ HK$163,926/mo (50% DSR)
Upfront cash ≈ HK$12.47M (deposit + AVD stamp duty HK$1,197,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,802
−HK$4,636/mo
▼ 0.25% · 3.875%
HK$88,103
−HK$2,335/mo
Today · 4.125%
HK$90,438
baseline
▲ 0.50% · 4.625%
HK$95,205
+HK$4,767/mo
Deposit HK$11.27M · loan HK$16.91M · min. income ≈ HK$180,876/mo (50% DSR)
Upfront cash ≈ HK$12.47M (deposit + AVD stamp duty HK$1,197,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,981
−HK$5,642/mo
▼ 0.25% · 3.875%
HK$92,780
−HK$2,843/mo
Today · 4.125%
HK$95,623
baseline
▲ 0.50% · 4.625%
HK$101,442
+HK$5,819/mo
Deposit HK$8.46M · loan HK$19.73M · min. income ≈ HK$191,246/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$1,197,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,103
−HK$5,408/mo
▼ 0.25% · 3.875%
HK$102,787
−HK$2,724/mo
Today · 4.125%
HK$105,511
baseline
▲ 0.50% · 4.625%
HK$111,072
+HK$5,561/mo
Deposit HK$8.46M · loan HK$19.73M · min. income ≈ HK$211,022/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$1,197,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,689
−HK$7,255/mo
▼ 0.25% · 3.875%
HK$119,288
−HK$3,656/mo
Today · 4.125%
HK$122,944
baseline
▲ 0.50% · 4.625%
HK$130,425
+HK$7,481/mo
Deposit HK$2.82M · loan HK$25.37M · min. income ≈ HK$245,888/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$1,197,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,703
−HK$6,954/mo
▼ 0.25% · 3.875%
HK$132,155
−HK$3,502/mo
Today · 4.125%
HK$135,657
baseline
▲ 0.50% · 4.625%
HK$142,807
+HK$7,150/mo
Deposit HK$2.82M · loan HK$25.37M · min. income ≈ HK$271,314/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$1,197,916 · Scale 2, in force from 26 Feb 2026)