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$64,059
−HK$4,017/mo
▼ 0.25% · 3.875%
HK$66,051
−HK$2,025/mo
Today · 4.125%
HK$68,076
baseline
▲ 0.50% · 4.625%
HK$72,218
+HK$4,142/mo
Deposit HK$14.05M · loan HK$14.05M · min. income ≈ HK$136,152/mo (50% DSR)
Upfront cash ≈ HK$15.24M (deposit + AVD stamp duty HK$1,193,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,265
−HK$3,850/mo
▼ 0.25% · 3.875%
HK$73,176
−HK$1,939/mo
Today · 4.125%
HK$75,115
baseline
▲ 0.50% · 4.625%
HK$79,074
+HK$3,959/mo
Deposit HK$14.05M · loan HK$14.05M · min. income ≈ HK$150,230/mo (50% DSR)
Upfront cash ≈ HK$15.24M (deposit + AVD stamp duty HK$1,193,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,870
−HK$4,821/mo
▼ 0.25% · 3.875%
HK$79,261
−HK$2,430/mo
Today · 4.125%
HK$81,691
baseline
▲ 0.50% · 4.625%
HK$86,661
+HK$4,970/mo
Deposit HK$11.24M · loan HK$16.86M · min. income ≈ HK$163,382/mo (50% DSR)
Upfront cash ≈ HK$12.43M (deposit + AVD stamp duty HK$1,193,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,517
−HK$4,621/mo
▼ 0.25% · 3.875%
HK$87,811
−HK$2,327/mo
Today · 4.125%
HK$90,138
baseline
▲ 0.50% · 4.625%
HK$94,889
+HK$4,751/mo
Deposit HK$11.24M · loan HK$16.86M · min. income ≈ HK$180,276/mo (50% DSR)
Upfront cash ≈ HK$12.43M (deposit + AVD stamp duty HK$1,193,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,682
−HK$5,624/mo
▼ 0.25% · 3.875%
HK$92,472
−HK$2,834/mo
Today · 4.125%
HK$95,306
baseline
▲ 0.50% · 4.625%
HK$101,105
+HK$5,799/mo
Deposit HK$8.43M · loan HK$19.66M · min. income ≈ HK$190,612/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$1,193,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,770
−HK$5,391/mo
▼ 0.25% · 3.875%
HK$102,446
−HK$2,715/mo
Today · 4.125%
HK$105,161
baseline
▲ 0.50% · 4.625%
HK$110,704
+HK$5,543/mo
Deposit HK$8.43M · loan HK$19.66M · min. income ≈ HK$210,322/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$1,193,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,305
−HK$7,231/mo
▼ 0.25% · 3.875%
HK$118,892
−HK$3,644/mo
Today · 4.125%
HK$122,536
baseline
▲ 0.50% · 4.625%
HK$129,992
+HK$7,456/mo
Deposit HK$2.81M · loan HK$25.28M · min. income ≈ HK$245,072/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$1,193,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,276
−HK$6,930/mo
▼ 0.25% · 3.875%
HK$131,716
−HK$3,490/mo
Today · 4.125%
HK$135,206
baseline
▲ 0.50% · 4.625%
HK$142,333
+HK$7,127/mo
Deposit HK$2.81M · loan HK$25.28M · min. income ≈ HK$270,412/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$1,193,940 · Scale 2, in force from 26 Feb 2026)