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$64,075
−HK$4,018/mo
▼ 0.25% · 3.875%
HK$66,068
−HK$2,025/mo
Today · 4.125%
HK$68,093
baseline
▲ 0.50% · 4.625%
HK$72,236
+HK$4,143/mo
Deposit HK$14.05M · loan HK$14.05M · min. income ≈ HK$136,186/mo (50% DSR)
Upfront cash ≈ HK$15.24M (deposit + AVD stamp duty HK$1,194,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,283
−HK$3,851/mo
▼ 0.25% · 3.875%
HK$73,194
−HK$1,940/mo
Today · 4.125%
HK$75,134
baseline
▲ 0.50% · 4.625%
HK$79,094
+HK$3,960/mo
Deposit HK$14.05M · loan HK$14.05M · min. income ≈ HK$150,268/mo (50% DSR)
Upfront cash ≈ HK$15.24M (deposit + AVD stamp duty HK$1,194,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,890
−HK$4,822/mo
▼ 0.25% · 3.875%
HK$79,282
−HK$2,430/mo
Today · 4.125%
HK$81,712
baseline
▲ 0.50% · 4.625%
HK$86,683
+HK$4,971/mo
Deposit HK$11.24M · loan HK$16.86M · min. income ≈ HK$163,424/mo (50% DSR)
Upfront cash ≈ HK$12.43M (deposit + AVD stamp duty HK$1,194,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,539
−HK$4,622/mo
▼ 0.25% · 3.875%
HK$87,833
−HK$2,328/mo
Today · 4.125%
HK$90,161
baseline
▲ 0.50% · 4.625%
HK$94,913
+HK$4,752/mo
Deposit HK$11.24M · loan HK$16.86M · min. income ≈ HK$180,322/mo (50% DSR)
Upfront cash ≈ HK$12.43M (deposit + AVD stamp duty HK$1,194,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,705
−HK$5,625/mo
▼ 0.25% · 3.875%
HK$92,495
−HK$2,835/mo
Today · 4.125%
HK$95,330
baseline
▲ 0.50% · 4.625%
HK$101,131
+HK$5,801/mo
Deposit HK$8.43M · loan HK$19.67M · min. income ≈ HK$190,660/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$1,194,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,796
−HK$5,391/mo
▼ 0.25% · 3.875%
HK$102,472
−HK$2,715/mo
Today · 4.125%
HK$105,187
baseline
▲ 0.50% · 4.625%
HK$110,732
+HK$5,545/mo
Deposit HK$8.43M · loan HK$19.67M · min. income ≈ HK$210,374/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$1,194,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,335
−HK$7,232/mo
▼ 0.25% · 3.875%
HK$118,922
−HK$3,645/mo
Today · 4.125%
HK$122,567
baseline
▲ 0.50% · 4.625%
HK$130,025
+HK$7,458/mo
Deposit HK$2.81M · loan HK$25.29M · min. income ≈ HK$245,134/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$1,194,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,309
−HK$6,932/mo
▼ 0.25% · 3.875%
HK$131,750
−HK$3,491/mo
Today · 4.125%
HK$135,241
baseline
▲ 0.50% · 4.625%
HK$142,370
+HK$7,129/mo
Deposit HK$2.81M · loan HK$25.29M · min. income ≈ HK$270,482/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$1,194,244 · Scale 2, in force from 26 Feb 2026)