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$64,570
−HK$4,049/mo
▼ 0.25% · 3.875%
HK$66,579
−HK$2,040/mo
Today · 4.125%
HK$68,619
baseline
▲ 0.50% · 4.625%
HK$72,795
+HK$4,176/mo
Deposit HK$14.16M · loan HK$14.16M · min. income ≈ HK$137,238/mo (50% DSR)
Upfront cash ≈ HK$15.36M (deposit + AVD stamp duty HK$1,203,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,834
−HK$3,881/mo
▼ 0.25% · 3.875%
HK$73,760
−HK$1,955/mo
Today · 4.125%
HK$75,715
baseline
▲ 0.50% · 4.625%
HK$79,706
+HK$3,991/mo
Deposit HK$14.16M · loan HK$14.16M · min. income ≈ HK$151,430/mo (50% DSR)
Upfront cash ≈ HK$15.36M (deposit + AVD stamp duty HK$1,203,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,484
−HK$4,859/mo
▼ 0.25% · 3.875%
HK$79,894
−HK$2,449/mo
Today · 4.125%
HK$82,343
baseline
▲ 0.50% · 4.625%
HK$87,353
+HK$5,010/mo
Deposit HK$11.33M · loan HK$16.99M · min. income ≈ HK$164,686/mo (50% DSR)
Upfront cash ≈ HK$12.53M (deposit + AVD stamp duty HK$1,203,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,200
−HK$4,657/mo
▼ 0.25% · 3.875%
HK$88,512
−HK$2,345/mo
Today · 4.125%
HK$90,857
baseline
▲ 0.50% · 4.625%
HK$95,647
+HK$4,790/mo
Deposit HK$11.33M · loan HK$16.99M · min. income ≈ HK$181,714/mo (50% DSR)
Upfront cash ≈ HK$12.53M (deposit + AVD stamp duty HK$1,203,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,398
−HK$5,669/mo
▼ 0.25% · 3.875%
HK$93,210
−HK$2,857/mo
Today · 4.125%
HK$96,067
baseline
▲ 0.50% · 4.625%
HK$101,912
+HK$5,845/mo
Deposit HK$8.50M · loan HK$19.82M · min. income ≈ HK$192,134/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$1,203,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,567
−HK$5,433/mo
▼ 0.25% · 3.875%
HK$103,264
−HK$2,736/mo
Today · 4.125%
HK$106,000
baseline
▲ 0.50% · 4.625%
HK$111,588
+HK$5,588/mo
Deposit HK$8.50M · loan HK$19.82M · min. income ≈ HK$212,000/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$1,203,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,226
−HK$7,289/mo
▼ 0.25% · 3.875%
HK$119,841
−HK$3,674/mo
Today · 4.125%
HK$123,515
baseline
▲ 0.50% · 4.625%
HK$131,030
+HK$7,515/mo
Deposit HK$2.83M · loan HK$25.49M · min. income ≈ HK$247,030/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$1,203,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,300
−HK$6,986/mo
▼ 0.25% · 3.875%
HK$132,768
−HK$3,518/mo
Today · 4.125%
HK$136,286
baseline
▲ 0.50% · 4.625%
HK$143,470
+HK$7,184/mo
Deposit HK$2.83M · loan HK$25.49M · min. income ≈ HK$272,572/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$1,203,474 · Scale 2, in force from 26 Feb 2026)