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$64,361
−HK$4,036/mo
▼ 0.25% · 3.875%
HK$66,363
−HK$2,034/mo
Today · 4.125%
HK$68,397
baseline
▲ 0.50% · 4.625%
HK$72,559
+HK$4,162/mo
Deposit HK$14.11M · loan HK$14.11M · min. income ≈ HK$136,794/mo (50% DSR)
Upfront cash ≈ HK$15.31M (deposit + AVD stamp duty HK$1,199,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,601
−HK$3,869/mo
▼ 0.25% · 3.875%
HK$73,521
−HK$1,949/mo
Today · 4.125%
HK$75,470
baseline
▲ 0.50% · 4.625%
HK$79,448
+HK$3,978/mo
Deposit HK$14.11M · loan HK$14.11M · min. income ≈ HK$150,940/mo (50% DSR)
Upfront cash ≈ HK$15.31M (deposit + AVD stamp duty HK$1,199,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,233
−HK$4,844/mo
▼ 0.25% · 3.875%
HK$79,636
−HK$2,441/mo
Today · 4.125%
HK$82,077
baseline
▲ 0.50% · 4.625%
HK$87,071
+HK$4,994/mo
Deposit HK$11.29M · loan HK$16.94M · min. income ≈ HK$164,154/mo (50% DSR)
Upfront cash ≈ HK$12.49M (deposit + AVD stamp duty HK$1,199,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,921
−HK$4,642/mo
▼ 0.25% · 3.875%
HK$88,226
−HK$2,337/mo
Today · 4.125%
HK$90,563
baseline
▲ 0.50% · 4.625%
HK$95,337
+HK$4,774/mo
Deposit HK$11.29M · loan HK$16.94M · min. income ≈ HK$181,126/mo (50% DSR)
Upfront cash ≈ HK$12.49M (deposit + AVD stamp duty HK$1,199,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,106
−HK$5,650/mo
▼ 0.25% · 3.875%
HK$92,908
−HK$2,848/mo
Today · 4.125%
HK$95,756
baseline
▲ 0.50% · 4.625%
HK$101,583
+HK$5,827/mo
Deposit HK$8.47M · loan HK$19.76M · min. income ≈ HK$191,512/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$1,199,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,242
−HK$5,415/mo
▼ 0.25% · 3.875%
HK$102,930
−HK$2,727/mo
Today · 4.125%
HK$105,657
baseline
▲ 0.50% · 4.625%
HK$111,227
+HK$5,570/mo
Deposit HK$8.47M · loan HK$19.76M · min. income ≈ HK$211,314/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$1,199,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,850
−HK$7,265/mo
▼ 0.25% · 3.875%
HK$119,454
−HK$3,661/mo
Today · 4.125%
HK$123,115
baseline
▲ 0.50% · 4.625%
HK$130,606
+HK$7,491/mo
Deposit HK$2.82M · loan HK$25.40M · min. income ≈ HK$246,230/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$1,199,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,882
−HK$6,963/mo
▼ 0.25% · 3.875%
HK$132,339
−HK$3,506/mo
Today · 4.125%
HK$135,845
baseline
▲ 0.50% · 4.625%
HK$143,006
+HK$7,161/mo
Deposit HK$2.82M · loan HK$25.40M · min. income ≈ HK$271,690/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$1,199,580 · Scale 2, in force from 26 Feb 2026)