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$64,455
−HK$4,042/mo
▼ 0.25% · 3.875%
HK$66,460
−HK$2,037/mo
Today · 4.125%
HK$68,497
baseline
▲ 0.50% · 4.625%
HK$72,665
+HK$4,168/mo
Deposit HK$14.13M · loan HK$14.13M · min. income ≈ HK$136,994/mo (50% DSR)
Upfront cash ≈ HK$15.33M (deposit + AVD stamp duty HK$1,201,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,705
−HK$3,874/mo
▼ 0.25% · 3.875%
HK$73,628
−HK$1,951/mo
Today · 4.125%
HK$75,579
baseline
▲ 0.50% · 4.625%
HK$79,563
+HK$3,984/mo
Deposit HK$14.13M · loan HK$14.13M · min. income ≈ HK$151,158/mo (50% DSR)
Upfront cash ≈ HK$15.33M (deposit + AVD stamp duty HK$1,201,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,346
−HK$4,850/mo
▼ 0.25% · 3.875%
HK$79,752
−HK$2,444/mo
Today · 4.125%
HK$82,196
baseline
▲ 0.50% · 4.625%
HK$87,197
+HK$5,001/mo
Deposit HK$11.31M · loan HK$16.96M · min. income ≈ HK$164,392/mo (50% DSR)
Upfront cash ≈ HK$12.51M (deposit + AVD stamp duty HK$1,201,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,046
−HK$4,649/mo
▼ 0.25% · 3.875%
HK$88,354
−HK$2,341/mo
Today · 4.125%
HK$90,695
baseline
▲ 0.50% · 4.625%
HK$95,476
+HK$4,781/mo
Deposit HK$11.31M · loan HK$16.96M · min. income ≈ HK$181,390/mo (50% DSR)
Upfront cash ≈ HK$12.51M (deposit + AVD stamp duty HK$1,201,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,237
−HK$5,658/mo
▼ 0.25% · 3.875%
HK$93,044
−HK$2,851/mo
Today · 4.125%
HK$95,895
baseline
▲ 0.50% · 4.625%
HK$101,730
+HK$5,835/mo
Deposit HK$8.48M · loan HK$19.79M · min. income ≈ HK$191,790/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$1,201,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,387
−HK$5,424/mo
▼ 0.25% · 3.875%
HK$103,080
−HK$2,731/mo
Today · 4.125%
HK$105,811
baseline
▲ 0.50% · 4.625%
HK$111,388
+HK$5,577/mo
Deposit HK$8.48M · loan HK$19.79M · min. income ≈ HK$211,622/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$1,201,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,019
−HK$7,275/mo
▼ 0.25% · 3.875%
HK$119,627
−HK$3,667/mo
Today · 4.125%
HK$123,294
baseline
▲ 0.50% · 4.625%
HK$130,796
+HK$7,502/mo
Deposit HK$2.83M · loan HK$25.44M · min. income ≈ HK$246,588/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$1,201,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,070
−HK$6,973/mo
▼ 0.25% · 3.875%
HK$132,531
−HK$3,512/mo
Today · 4.125%
HK$136,043
baseline
▲ 0.50% · 4.625%
HK$143,214
+HK$7,171/mo
Deposit HK$2.83M · loan HK$25.44M · min. income ≈ HK$272,086/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$1,201,325 · Scale 2, in force from 26 Feb 2026)