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$65,832
−HK$4,128/mo
▼ 0.25% · 3.875%
HK$67,879
−HK$2,081/mo
Today · 4.125%
HK$69,960
baseline
▲ 0.50% · 4.625%
HK$74,217
+HK$4,257/mo
Deposit HK$14.44M · loan HK$14.44M · min. income ≈ HK$139,920/mo (50% DSR)
Upfront cash ≈ HK$15.66M (deposit + AVD stamp duty HK$1,226,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,237
−HK$3,957/mo
▼ 0.25% · 3.875%
HK$75,201
−HK$1,993/mo
Today · 4.125%
HK$77,194
baseline
▲ 0.50% · 4.625%
HK$81,263
+HK$4,069/mo
Deposit HK$14.44M · loan HK$14.44M · min. income ≈ HK$154,388/mo (50% DSR)
Upfront cash ≈ HK$15.66M (deposit + AVD stamp duty HK$1,226,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,998
−HK$4,954/mo
▼ 0.25% · 3.875%
HK$81,455
−HK$2,497/mo
Today · 4.125%
HK$83,952
baseline
▲ 0.50% · 4.625%
HK$89,060
+HK$5,108/mo
Deposit HK$11.55M · loan HK$17.32M · min. income ≈ HK$167,904/mo (50% DSR)
Upfront cash ≈ HK$12.78M (deposit + AVD stamp duty HK$1,226,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,884
−HK$4,749/mo
▼ 0.25% · 3.875%
HK$90,241
−HK$2,392/mo
Today · 4.125%
HK$92,633
baseline
▲ 0.50% · 4.625%
HK$97,515
+HK$4,882/mo
Deposit HK$11.55M · loan HK$17.32M · min. income ≈ HK$185,266/mo (50% DSR)
Upfront cash ≈ HK$12.78M (deposit + AVD stamp duty HK$1,226,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,164
−HK$5,780/mo
▼ 0.25% · 3.875%
HK$95,031
−HK$2,913/mo
Today · 4.125%
HK$97,944
baseline
▲ 0.50% · 4.625%
HK$103,903
+HK$5,959/mo
Deposit HK$8.66M · loan HK$20.21M · min. income ≈ HK$195,888/mo (50% DSR)
Upfront cash ≈ HK$9.89M (deposit + AVD stamp duty HK$1,226,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,532
−HK$5,539/mo
▼ 0.25% · 3.875%
HK$105,282
−HK$2,789/mo
Today · 4.125%
HK$108,071
baseline
▲ 0.50% · 4.625%
HK$113,768
+HK$5,697/mo
Deposit HK$8.66M · loan HK$20.21M · min. income ≈ HK$216,142/mo (50% DSR)
Upfront cash ≈ HK$9.89M (deposit + AVD stamp duty HK$1,226,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,497
−HK$7,431/mo
▼ 0.25% · 3.875%
HK$122,183
−HK$3,745/mo
Today · 4.125%
HK$125,928
baseline
▲ 0.50% · 4.625%
HK$133,590
+HK$7,662/mo
Deposit HK$2.89M · loan HK$25.98M · min. income ≈ HK$251,856/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$1,226,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,827
−HK$7,122/mo
▼ 0.25% · 3.875%
HK$135,362
−HK$3,587/mo
Today · 4.125%
HK$138,949
baseline
▲ 0.50% · 4.625%
HK$146,273
+HK$7,324/mo
Deposit HK$2.89M · loan HK$25.98M · min. income ≈ HK$277,898/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$1,226,987 · Scale 2, in force from 26 Feb 2026)