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$64,551
−HK$4,048/mo
▼ 0.25% · 3.875%
HK$66,559
−HK$2,040/mo
Today · 4.125%
HK$68,599
baseline
▲ 0.50% · 4.625%
HK$72,773
+HK$4,174/mo
Deposit HK$14.15M · loan HK$14.15M · min. income ≈ HK$137,198/mo (50% DSR)
Upfront cash ≈ HK$15.36M (deposit + AVD stamp duty HK$1,203,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,813
−HK$3,879/mo
▼ 0.25% · 3.875%
HK$73,739
−HK$1,953/mo
Today · 4.125%
HK$75,692
baseline
▲ 0.50% · 4.625%
HK$79,682
+HK$3,990/mo
Deposit HK$14.15M · loan HK$14.15M · min. income ≈ HK$151,384/mo (50% DSR)
Upfront cash ≈ HK$15.36M (deposit + AVD stamp duty HK$1,203,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,461
−HK$4,858/mo
▼ 0.25% · 3.875%
HK$79,871
−HK$2,448/mo
Today · 4.125%
HK$82,319
baseline
▲ 0.50% · 4.625%
HK$87,328
+HK$5,009/mo
Deposit HK$11.32M · loan HK$16.99M · min. income ≈ HK$164,638/mo (50% DSR)
Upfront cash ≈ HK$12.53M (deposit + AVD stamp duty HK$1,203,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,175
−HK$4,656/mo
▼ 0.25% · 3.875%
HK$88,486
−HK$2,345/mo
Today · 4.125%
HK$90,831
baseline
▲ 0.50% · 4.625%
HK$95,619
+HK$4,788/mo
Deposit HK$11.32M · loan HK$16.99M · min. income ≈ HK$181,662/mo (50% DSR)
Upfront cash ≈ HK$12.53M (deposit + AVD stamp duty HK$1,203,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,372
−HK$5,667/mo
▼ 0.25% · 3.875%
HK$93,183
−HK$2,856/mo
Today · 4.125%
HK$96,039
baseline
▲ 0.50% · 4.625%
HK$101,883
+HK$5,844/mo
Deposit HK$8.49M · loan HK$19.82M · min. income ≈ HK$192,078/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$1,203,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,538
−HK$5,431/mo
▼ 0.25% · 3.875%
HK$103,234
−HK$2,735/mo
Today · 4.125%
HK$105,969
baseline
▲ 0.50% · 4.625%
HK$111,555
+HK$5,586/mo
Deposit HK$8.49M · loan HK$19.82M · min. income ≈ HK$211,938/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$1,203,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,192
−HK$7,287/mo
▼ 0.25% · 3.875%
HK$119,806
−HK$3,673/mo
Today · 4.125%
HK$123,479
baseline
▲ 0.50% · 4.625%
HK$130,992
+HK$7,513/mo
Deposit HK$2.83M · loan HK$25.48M · min. income ≈ HK$246,958/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$1,203,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,263
−HK$6,983/mo
▼ 0.25% · 3.875%
HK$132,729
−HK$3,517/mo
Today · 4.125%
HK$136,246
baseline
▲ 0.50% · 4.625%
HK$143,428
+HK$7,182/mo
Deposit HK$2.83M · loan HK$25.48M · min. income ≈ HK$272,492/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$1,203,123 · Scale 2, in force from 26 Feb 2026)