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$64,064
−HK$4,017/mo
▼ 0.25% · 3.875%
HK$66,057
−HK$2,024/mo
Today · 4.125%
HK$68,081
baseline
▲ 0.50% · 4.625%
HK$72,224
+HK$4,143/mo
Deposit HK$14.05M · loan HK$14.05M · min. income ≈ HK$136,162/mo (50% DSR)
Upfront cash ≈ HK$15.24M (deposit + AVD stamp duty HK$1,194,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,271
−HK$3,850/mo
▼ 0.25% · 3.875%
HK$73,182
−HK$1,939/mo
Today · 4.125%
HK$75,121
baseline
▲ 0.50% · 4.625%
HK$79,081
+HK$3,960/mo
Deposit HK$14.05M · loan HK$14.05M · min. income ≈ HK$150,242/mo (50% DSR)
Upfront cash ≈ HK$15.24M (deposit + AVD stamp duty HK$1,194,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,877
−HK$4,821/mo
▼ 0.25% · 3.875%
HK$79,268
−HK$2,430/mo
Today · 4.125%
HK$81,698
baseline
▲ 0.50% · 4.625%
HK$86,669
+HK$4,971/mo
Deposit HK$11.24M · loan HK$16.86M · min. income ≈ HK$163,396/mo (50% DSR)
Upfront cash ≈ HK$12.43M (deposit + AVD stamp duty HK$1,194,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,525
−HK$4,620/mo
▼ 0.25% · 3.875%
HK$87,818
−HK$2,327/mo
Today · 4.125%
HK$90,145
baseline
▲ 0.50% · 4.625%
HK$94,897
+HK$4,752/mo
Deposit HK$11.24M · loan HK$16.86M · min. income ≈ HK$180,290/mo (50% DSR)
Upfront cash ≈ HK$12.43M (deposit + AVD stamp duty HK$1,194,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,690
−HK$5,624/mo
▼ 0.25% · 3.875%
HK$92,479
−HK$2,835/mo
Today · 4.125%
HK$95,314
baseline
▲ 0.50% · 4.625%
HK$101,113
+HK$5,799/mo
Deposit HK$8.43M · loan HK$19.67M · min. income ≈ HK$190,628/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$1,194,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,779
−HK$5,390/mo
▼ 0.25% · 3.875%
HK$102,455
−HK$2,714/mo
Today · 4.125%
HK$105,169
baseline
▲ 0.50% · 4.625%
HK$110,713
+HK$5,544/mo
Deposit HK$8.43M · loan HK$19.67M · min. income ≈ HK$210,338/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$1,194,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,315
−HK$7,231/mo
▼ 0.25% · 3.875%
HK$118,902
−HK$3,644/mo
Today · 4.125%
HK$122,546
baseline
▲ 0.50% · 4.625%
HK$130,003
+HK$7,457/mo
Deposit HK$2.81M · loan HK$25.29M · min. income ≈ HK$245,092/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$1,194,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,287
−HK$6,931/mo
▼ 0.25% · 3.875%
HK$131,728
−HK$3,490/mo
Today · 4.125%
HK$135,218
baseline
▲ 0.50% · 4.625%
HK$142,345
+HK$7,127/mo
Deposit HK$2.81M · loan HK$25.29M · min. income ≈ HK$270,436/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$1,194,041 · Scale 2, in force from 26 Feb 2026)