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$65,482
−HK$4,106/mo
▼ 0.25% · 3.875%
HK$67,519
−HK$2,069/mo
Today · 4.125%
HK$69,588
baseline
▲ 0.50% · 4.625%
HK$73,823
+HK$4,235/mo
Deposit HK$14.36M · loan HK$14.36M · min. income ≈ HK$139,176/mo (50% DSR)
Upfront cash ≈ HK$15.58M (deposit + AVD stamp duty HK$1,220,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,848
−HK$3,936/mo
▼ 0.25% · 3.875%
HK$74,802
−HK$1,982/mo
Today · 4.125%
HK$76,784
baseline
▲ 0.50% · 4.625%
HK$80,831
+HK$4,047/mo
Deposit HK$14.36M · loan HK$14.36M · min. income ≈ HK$153,568/mo (50% DSR)
Upfront cash ≈ HK$15.58M (deposit + AVD stamp duty HK$1,220,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,579
−HK$4,927/mo
▼ 0.25% · 3.875%
HK$81,023
−HK$2,483/mo
Today · 4.125%
HK$83,506
baseline
▲ 0.50% · 4.625%
HK$88,587
+HK$5,081/mo
Deposit HK$11.49M · loan HK$17.23M · min. income ≈ HK$167,012/mo (50% DSR)
Upfront cash ≈ HK$12.71M (deposit + AVD stamp duty HK$1,220,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,418
−HK$4,723/mo
▼ 0.25% · 3.875%
HK$89,762
−HK$2,379/mo
Today · 4.125%
HK$92,141
baseline
▲ 0.50% · 4.625%
HK$96,998
+HK$4,857/mo
Deposit HK$11.49M · loan HK$17.23M · min. income ≈ HK$184,282/mo (50% DSR)
Upfront cash ≈ HK$12.71M (deposit + AVD stamp duty HK$1,220,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,675
−HK$5,749/mo
▼ 0.25% · 3.875%
HK$94,527
−HK$2,897/mo
Today · 4.125%
HK$97,424
baseline
▲ 0.50% · 4.625%
HK$103,352
+HK$5,928/mo
Deposit HK$8.62M · loan HK$20.10M · min. income ≈ HK$194,848/mo (50% DSR)
Upfront cash ≈ HK$9.84M (deposit + AVD stamp duty HK$1,220,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,987
−HK$5,510/mo
▼ 0.25% · 3.875%
HK$104,723
−HK$2,774/mo
Today · 4.125%
HK$107,497
baseline
▲ 0.50% · 4.625%
HK$113,164
+HK$5,667/mo
Deposit HK$8.62M · loan HK$20.10M · min. income ≈ HK$214,994/mo (50% DSR)
Upfront cash ≈ HK$9.84M (deposit + AVD stamp duty HK$1,220,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,868
−HK$7,391/mo
▼ 0.25% · 3.875%
HK$121,534
−HK$3,725/mo
Today · 4.125%
HK$125,259
baseline
▲ 0.50% · 4.625%
HK$132,881
+HK$7,622/mo
Deposit HK$2.87M · loan HK$25.85M · min. income ≈ HK$250,518/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$1,220,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,127
−HK$7,084/mo
▼ 0.25% · 3.875%
HK$134,643
−HK$3,568/mo
Today · 4.125%
HK$138,211
baseline
▲ 0.50% · 4.625%
HK$145,496
+HK$7,285/mo
Deposit HK$2.87M · loan HK$25.85M · min. income ≈ HK$276,422/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$1,220,472 · Scale 2, in force from 26 Feb 2026)