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$65,802
−HK$4,127/mo
▼ 0.25% · 3.875%
HK$67,849
−HK$2,080/mo
Today · 4.125%
HK$69,929
baseline
▲ 0.50% · 4.625%
HK$74,184
+HK$4,255/mo
Deposit HK$14.43M · loan HK$14.43M · min. income ≈ HK$139,858/mo (50% DSR)
Upfront cash ≈ HK$15.66M (deposit + AVD stamp duty HK$1,226,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,205
−HK$3,955/mo
▼ 0.25% · 3.875%
HK$75,168
−HK$1,992/mo
Today · 4.125%
HK$77,160
baseline
▲ 0.50% · 4.625%
HK$81,227
+HK$4,067/mo
Deposit HK$14.43M · loan HK$14.43M · min. income ≈ HK$154,320/mo (50% DSR)
Upfront cash ≈ HK$15.66M (deposit + AVD stamp duty HK$1,226,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,963
−HK$4,952/mo
▼ 0.25% · 3.875%
HK$81,419
−HK$2,496/mo
Today · 4.125%
HK$83,915
baseline
▲ 0.50% · 4.625%
HK$89,021
+HK$5,106/mo
Deposit HK$11.54M · loan HK$17.31M · min. income ≈ HK$167,830/mo (50% DSR)
Upfront cash ≈ HK$12.77M (deposit + AVD stamp duty HK$1,226,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,845
−HK$4,746/mo
▼ 0.25% · 3.875%
HK$90,201
−HK$2,390/mo
Today · 4.125%
HK$92,591
baseline
▲ 0.50% · 4.625%
HK$97,472
+HK$4,881/mo
Deposit HK$11.54M · loan HK$17.31M · min. income ≈ HK$185,182/mo (50% DSR)
Upfront cash ≈ HK$12.77M (deposit + AVD stamp duty HK$1,226,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,123
−HK$5,777/mo
▼ 0.25% · 3.875%
HK$94,989
−HK$2,911/mo
Today · 4.125%
HK$97,900
baseline
▲ 0.50% · 4.625%
HK$103,857
+HK$5,957/mo
Deposit HK$8.66M · loan HK$20.20M · min. income ≈ HK$195,800/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$1,226,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,486
−HK$5,537/mo
▼ 0.25% · 3.875%
HK$105,235
−HK$2,788/mo
Today · 4.125%
HK$108,023
baseline
▲ 0.50% · 4.625%
HK$113,717
+HK$5,694/mo
Deposit HK$8.66M · loan HK$20.20M · min. income ≈ HK$216,046/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$1,226,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,444
−HK$7,428/mo
▼ 0.25% · 3.875%
HK$122,129
−HK$3,743/mo
Today · 4.125%
HK$125,872
baseline
▲ 0.50% · 4.625%
HK$133,531
+HK$7,659/mo
Deposit HK$2.89M · loan HK$25.97M · min. income ≈ HK$251,744/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$1,226,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,768
−HK$7,119/mo
▼ 0.25% · 3.875%
HK$135,302
−HK$3,585/mo
Today · 4.125%
HK$138,887
baseline
▲ 0.50% · 4.625%
HK$146,208
+HK$7,321/mo
Deposit HK$2.89M · loan HK$25.97M · min. income ≈ HK$277,774/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$1,226,443 · Scale 2, in force from 26 Feb 2026)