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$64,613
−HK$4,052/mo
▼ 0.25% · 3.875%
HK$66,623
−HK$2,042/mo
Today · 4.125%
HK$68,665
baseline
▲ 0.50% · 4.625%
HK$72,843
+HK$4,178/mo
Deposit HK$14.17M · loan HK$14.17M · min. income ≈ HK$137,330/mo (50% DSR)
Upfront cash ≈ HK$15.37M (deposit + AVD stamp duty HK$1,204,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,881
−HK$3,884/mo
▼ 0.25% · 3.875%
HK$73,809
−HK$1,956/mo
Today · 4.125%
HK$75,765
baseline
▲ 0.50% · 4.625%
HK$79,759
+HK$3,994/mo
Deposit HK$14.17M · loan HK$14.17M · min. income ≈ HK$151,530/mo (50% DSR)
Upfront cash ≈ HK$15.37M (deposit + AVD stamp duty HK$1,204,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,536
−HK$4,862/mo
▼ 0.25% · 3.875%
HK$79,948
−HK$2,450/mo
Today · 4.125%
HK$82,398
baseline
▲ 0.50% · 4.625%
HK$87,412
+HK$5,014/mo
Deposit HK$11.33M · loan HK$17.00M · min. income ≈ HK$164,796/mo (50% DSR)
Upfront cash ≈ HK$12.54M (deposit + AVD stamp duty HK$1,204,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,258
−HK$4,660/mo
▼ 0.25% · 3.875%
HK$88,571
−HK$2,347/mo
Today · 4.125%
HK$90,918
baseline
▲ 0.50% · 4.625%
HK$95,710
+HK$4,792/mo
Deposit HK$11.33M · loan HK$17.00M · min. income ≈ HK$181,836/mo (50% DSR)
Upfront cash ≈ HK$12.54M (deposit + AVD stamp duty HK$1,204,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,458
−HK$5,673/mo
▼ 0.25% · 3.875%
HK$93,272
−HK$2,859/mo
Today · 4.125%
HK$96,131
baseline
▲ 0.50% · 4.625%
HK$101,980
+HK$5,849/mo
Deposit HK$8.50M · loan HK$19.84M · min. income ≈ HK$192,262/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$1,204,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,634
−HK$5,437/mo
▼ 0.25% · 3.875%
HK$103,333
−HK$2,738/mo
Today · 4.125%
HK$106,071
baseline
▲ 0.50% · 4.625%
HK$111,662
+HK$5,591/mo
Deposit HK$8.50M · loan HK$19.84M · min. income ≈ HK$212,142/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$1,204,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,304
−HK$7,293/mo
▼ 0.25% · 3.875%
HK$119,921
−HK$3,676/mo
Today · 4.125%
HK$123,597
baseline
▲ 0.50% · 4.625%
HK$131,117
+HK$7,520/mo
Deposit HK$2.83M · loan HK$25.50M · min. income ≈ HK$247,194/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$1,204,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,387
−HK$6,990/mo
▼ 0.25% · 3.875%
HK$132,857
−HK$3,520/mo
Today · 4.125%
HK$136,377
baseline
▲ 0.50% · 4.625%
HK$143,566
+HK$7,189/mo
Deposit HK$2.83M · loan HK$25.50M · min. income ≈ HK$272,754/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$1,204,276 · Scale 2, in force from 26 Feb 2026)