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$65,509
−HK$4,108/mo
▼ 0.25% · 3.875%
HK$67,546
−HK$2,071/mo
Today · 4.125%
HK$69,617
baseline
▲ 0.50% · 4.625%
HK$73,853
+HK$4,236/mo
Deposit HK$14.36M · loan HK$14.36M · min. income ≈ HK$139,234/mo (50% DSR)
Upfront cash ≈ HK$15.59M (deposit + AVD stamp duty HK$1,220,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,878
−HK$3,937/mo
▼ 0.25% · 3.875%
HK$74,832
−HK$1,983/mo
Today · 4.125%
HK$76,815
baseline
▲ 0.50% · 4.625%
HK$80,864
+HK$4,049/mo
Deposit HK$14.36M · loan HK$14.36M · min. income ≈ HK$153,630/mo (50% DSR)
Upfront cash ≈ HK$15.59M (deposit + AVD stamp duty HK$1,220,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,610
−HK$4,930/mo
▼ 0.25% · 3.875%
HK$81,056
−HK$2,484/mo
Today · 4.125%
HK$83,540
baseline
▲ 0.50% · 4.625%
HK$88,623
+HK$5,083/mo
Deposit HK$11.49M · loan HK$17.24M · min. income ≈ HK$167,080/mo (50% DSR)
Upfront cash ≈ HK$12.71M (deposit + AVD stamp duty HK$1,220,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,453
−HK$4,725/mo
▼ 0.25% · 3.875%
HK$89,799
−HK$2,379/mo
Today · 4.125%
HK$92,178
baseline
▲ 0.50% · 4.625%
HK$97,037
+HK$4,859/mo
Deposit HK$11.49M · loan HK$17.24M · min. income ≈ HK$184,356/mo (50% DSR)
Upfront cash ≈ HK$12.71M (deposit + AVD stamp duty HK$1,220,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,712
−HK$5,751/mo
▼ 0.25% · 3.875%
HK$94,565
−HK$2,898/mo
Today · 4.125%
HK$97,463
baseline
▲ 0.50% · 4.625%
HK$103,394
+HK$5,931/mo
Deposit HK$8.62M · loan HK$20.11M · min. income ≈ HK$194,926/mo (50% DSR)
Upfront cash ≈ HK$9.84M (deposit + AVD stamp duty HK$1,220,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,029
−HK$5,512/mo
▼ 0.25% · 3.875%
HK$104,765
−HK$2,776/mo
Today · 4.125%
HK$107,541
baseline
▲ 0.50% · 4.625%
HK$113,210
+HK$5,669/mo
Deposit HK$8.62M · loan HK$20.11M · min. income ≈ HK$215,082/mo (50% DSR)
Upfront cash ≈ HK$9.84M (deposit + AVD stamp duty HK$1,220,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,916
−HK$7,394/mo
▼ 0.25% · 3.875%
HK$121,584
−HK$3,726/mo
Today · 4.125%
HK$125,310
baseline
▲ 0.50% · 4.625%
HK$132,935
+HK$7,625/mo
Deposit HK$2.87M · loan HK$25.86M · min. income ≈ HK$250,620/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$1,220,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,180
−HK$7,087/mo
▼ 0.25% · 3.875%
HK$134,698
−HK$3,569/mo
Today · 4.125%
HK$138,267
baseline
▲ 0.50% · 4.625%
HK$145,556
+HK$7,289/mo
Deposit HK$2.87M · loan HK$25.86M · min. income ≈ HK$276,534/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$1,220,969 · Scale 2, in force from 26 Feb 2026)