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$65,250
−HK$4,091/mo
▼ 0.25% · 3.875%
HK$67,279
−HK$2,062/mo
Today · 4.125%
HK$69,341
baseline
▲ 0.50% · 4.625%
HK$73,561
+HK$4,220/mo
Deposit HK$14.31M · loan HK$14.31M · min. income ≈ HK$138,682/mo (50% DSR)
Upfront cash ≈ HK$15.52M (deposit + AVD stamp duty HK$1,216,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,589
−HK$3,922/mo
▼ 0.25% · 3.875%
HK$74,536
−HK$1,975/mo
Today · 4.125%
HK$76,511
baseline
▲ 0.50% · 4.625%
HK$80,544
+HK$4,033/mo
Deposit HK$14.31M · loan HK$14.31M · min. income ≈ HK$153,022/mo (50% DSR)
Upfront cash ≈ HK$15.52M (deposit + AVD stamp duty HK$1,216,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,299
−HK$4,911/mo
▼ 0.25% · 3.875%
HK$80,735
−HK$2,475/mo
Today · 4.125%
HK$83,210
baseline
▲ 0.50% · 4.625%
HK$88,273
+HK$5,063/mo
Deposit HK$11.45M · loan HK$17.17M · min. income ≈ HK$166,420/mo (50% DSR)
Upfront cash ≈ HK$12.66M (deposit + AVD stamp duty HK$1,216,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,107
−HK$4,707/mo
▼ 0.25% · 3.875%
HK$89,444
−HK$2,370/mo
Today · 4.125%
HK$91,814
baseline
▲ 0.50% · 4.625%
HK$96,653
+HK$4,839/mo
Deposit HK$11.45M · loan HK$17.17M · min. income ≈ HK$183,628/mo (50% DSR)
Upfront cash ≈ HK$12.66M (deposit + AVD stamp duty HK$1,216,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,349
−HK$5,729/mo
▼ 0.25% · 3.875%
HK$94,191
−HK$2,887/mo
Today · 4.125%
HK$97,078
baseline
▲ 0.50% · 4.625%
HK$102,985
+HK$5,907/mo
Deposit HK$8.58M · loan HK$20.03M · min. income ≈ HK$194,156/mo (50% DSR)
Upfront cash ≈ HK$9.80M (deposit + AVD stamp duty HK$1,216,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,625
−HK$5,491/mo
▼ 0.25% · 3.875%
HK$104,351
−HK$2,765/mo
Today · 4.125%
HK$107,116
baseline
▲ 0.50% · 4.625%
HK$112,762
+HK$5,646/mo
Deposit HK$8.58M · loan HK$20.03M · min. income ≈ HK$214,232/mo (50% DSR)
Upfront cash ≈ HK$9.80M (deposit + AVD stamp duty HK$1,216,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,449
−HK$7,365/mo
▼ 0.25% · 3.875%
HK$121,103
−HK$3,711/mo
Today · 4.125%
HK$124,814
baseline
▲ 0.50% · 4.625%
HK$132,409
+HK$7,595/mo
Deposit HK$2.86M · loan HK$25.75M · min. income ≈ HK$249,628/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$1,216,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,661
−HK$7,059/mo
▼ 0.25% · 3.875%
HK$134,165
−HK$3,555/mo
Today · 4.125%
HK$137,720
baseline
▲ 0.50% · 4.625%
HK$144,980
+HK$7,260/mo
Deposit HK$2.86M · loan HK$25.75M · min. income ≈ HK$275,440/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$1,216,138 · Scale 2, in force from 26 Feb 2026)