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$65,623
−HK$4,115/mo
▼ 0.25% · 3.875%
HK$67,664
−HK$2,074/mo
Today · 4.125%
HK$69,738
baseline
▲ 0.50% · 4.625%
HK$73,981
+HK$4,243/mo
Deposit HK$14.39M · loan HK$14.39M · min. income ≈ HK$139,476/mo (50% DSR)
Upfront cash ≈ HK$15.61M (deposit + AVD stamp duty HK$1,223,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,005
−HK$3,944/mo
▼ 0.25% · 3.875%
HK$74,963
−HK$1,986/mo
Today · 4.125%
HK$76,949
baseline
▲ 0.50% · 4.625%
HK$81,005
+HK$4,056/mo
Deposit HK$14.39M · loan HK$14.39M · min. income ≈ HK$153,898/mo (50% DSR)
Upfront cash ≈ HK$15.61M (deposit + AVD stamp duty HK$1,223,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,747
−HK$4,938/mo
▼ 0.25% · 3.875%
HK$81,197
−HK$2,488/mo
Today · 4.125%
HK$83,685
baseline
▲ 0.50% · 4.625%
HK$88,777
+HK$5,092/mo
Deposit HK$11.51M · loan HK$17.27M · min. income ≈ HK$167,370/mo (50% DSR)
Upfront cash ≈ HK$12.73M (deposit + AVD stamp duty HK$1,223,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,606
−HK$4,733/mo
▼ 0.25% · 3.875%
HK$89,955
−HK$2,384/mo
Today · 4.125%
HK$92,339
baseline
▲ 0.50% · 4.625%
HK$97,206
+HK$4,867/mo
Deposit HK$11.51M · loan HK$17.27M · min. income ≈ HK$184,678/mo (50% DSR)
Upfront cash ≈ HK$12.73M (deposit + AVD stamp duty HK$1,223,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,872
−HK$5,761/mo
▼ 0.25% · 3.875%
HK$94,730
−HK$2,903/mo
Today · 4.125%
HK$97,633
baseline
▲ 0.50% · 4.625%
HK$103,574
+HK$5,941/mo
Deposit HK$8.63M · loan HK$20.15M · min. income ≈ HK$195,266/mo (50% DSR)
Upfront cash ≈ HK$9.86M (deposit + AVD stamp duty HK$1,223,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,206
−HK$5,522/mo
▼ 0.25% · 3.875%
HK$104,948
−HK$2,780/mo
Today · 4.125%
HK$107,728
baseline
▲ 0.50% · 4.625%
HK$113,407
+HK$5,679/mo
Deposit HK$8.63M · loan HK$20.15M · min. income ≈ HK$215,456/mo (50% DSR)
Upfront cash ≈ HK$9.86M (deposit + AVD stamp duty HK$1,223,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,121
−HK$7,407/mo
▼ 0.25% · 3.875%
HK$121,795
−HK$3,733/mo
Today · 4.125%
HK$125,528
baseline
▲ 0.50% · 4.625%
HK$133,166
+HK$7,638/mo
Deposit HK$2.88M · loan HK$25.90M · min. income ≈ HK$251,056/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$1,223,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,408
−HK$7,100/mo
▼ 0.25% · 3.875%
HK$134,933
−HK$3,575/mo
Today · 4.125%
HK$138,508
baseline
▲ 0.50% · 4.625%
HK$145,809
+HK$7,301/mo
Deposit HK$2.88M · loan HK$25.90M · min. income ≈ HK$277,016/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$1,223,094 · Scale 2, in force from 26 Feb 2026)