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$66,620
−HK$4,178/mo
▼ 0.25% · 3.875%
HK$68,693
−HK$2,105/mo
Today · 4.125%
HK$70,798
baseline
▲ 0.50% · 4.625%
HK$75,106
+HK$4,308/mo
Deposit HK$14.61M · loan HK$14.61M · min. income ≈ HK$141,596/mo (50% DSR)
Upfront cash ≈ HK$15.85M (deposit + AVD stamp duty HK$1,241,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,114
−HK$4,005/mo
▼ 0.25% · 3.875%
HK$76,102
−HK$2,017/mo
Today · 4.125%
HK$78,119
baseline
▲ 0.50% · 4.625%
HK$82,236
+HK$4,117/mo
Deposit HK$14.61M · loan HK$14.61M · min. income ≈ HK$156,238/mo (50% DSR)
Upfront cash ≈ HK$15.85M (deposit + AVD stamp duty HK$1,241,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,944
−HK$5,014/mo
▼ 0.25% · 3.875%
HK$82,431
−HK$2,527/mo
Today · 4.125%
HK$84,958
baseline
▲ 0.50% · 4.625%
HK$90,127
+HK$5,169/mo
Deposit HK$11.69M · loan HK$17.53M · min. income ≈ HK$169,916/mo (50% DSR)
Upfront cash ≈ HK$12.93M (deposit + AVD stamp duty HK$1,241,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,937
−HK$4,805/mo
▼ 0.25% · 3.875%
HK$91,323
−HK$2,419/mo
Today · 4.125%
HK$93,742
baseline
▲ 0.50% · 4.625%
HK$98,684
+HK$4,942/mo
Deposit HK$11.69M · loan HK$17.53M · min. income ≈ HK$187,484/mo (50% DSR)
Upfront cash ≈ HK$12.93M (deposit + AVD stamp duty HK$1,241,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,268
−HK$5,849/mo
▼ 0.25% · 3.875%
HK$96,170
−HK$2,947/mo
Today · 4.125%
HK$99,117
baseline
▲ 0.50% · 4.625%
HK$105,148
+HK$6,031/mo
Deposit HK$8.76M · loan HK$20.45M · min. income ≈ HK$198,234/mo (50% DSR)
Upfront cash ≈ HK$10.01M (deposit + AVD stamp duty HK$1,241,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,760
−HK$5,606/mo
▼ 0.25% · 3.875%
HK$106,543
−HK$2,823/mo
Today · 4.125%
HK$109,366
baseline
▲ 0.50% · 4.625%
HK$115,131
+HK$5,765/mo
Deposit HK$8.76M · loan HK$20.45M · min. income ≈ HK$218,732/mo (50% DSR)
Upfront cash ≈ HK$10.01M (deposit + AVD stamp duty HK$1,241,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,917
−HK$7,519/mo
▼ 0.25% · 3.875%
HK$123,647
−HK$3,789/mo
Today · 4.125%
HK$127,436
baseline
▲ 0.50% · 4.625%
HK$135,191
+HK$7,755/mo
Deposit HK$2.92M · loan HK$26.29M · min. income ≈ HK$254,872/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$1,241,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,406
−HK$7,208/mo
▼ 0.25% · 3.875%
HK$136,984
−HK$3,630/mo
Today · 4.125%
HK$140,614
baseline
▲ 0.50% · 4.625%
HK$148,025
+HK$7,411/mo
Deposit HK$2.92M · loan HK$26.29M · min. income ≈ HK$281,228/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$1,241,687 · Scale 2, in force from 26 Feb 2026)