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$65,423
−HK$4,102/mo
▼ 0.25% · 3.875%
HK$67,458
−HK$2,067/mo
Today · 4.125%
HK$69,525
baseline
▲ 0.50% · 4.625%
HK$73,756
+HK$4,231/mo
Deposit HK$14.35M · loan HK$14.35M · min. income ≈ HK$139,050/mo (50% DSR)
Upfront cash ≈ HK$15.56M (deposit + AVD stamp duty HK$1,219,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,782
−HK$3,932/mo
▼ 0.25% · 3.875%
HK$74,734
−HK$1,980/mo
Today · 4.125%
HK$76,714
baseline
▲ 0.50% · 4.625%
HK$80,758
+HK$4,044/mo
Deposit HK$14.35M · loan HK$14.35M · min. income ≈ HK$153,428/mo (50% DSR)
Upfront cash ≈ HK$15.56M (deposit + AVD stamp duty HK$1,219,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,507
−HK$4,923/mo
▼ 0.25% · 3.875%
HK$80,949
−HK$2,481/mo
Today · 4.125%
HK$83,430
baseline
▲ 0.50% · 4.625%
HK$88,507
+HK$5,077/mo
Deposit HK$11.48M · loan HK$17.21M · min. income ≈ HK$166,860/mo (50% DSR)
Upfront cash ≈ HK$12.70M (deposit + AVD stamp duty HK$1,219,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,338
−HK$4,719/mo
▼ 0.25% · 3.875%
HK$89,681
−HK$2,376/mo
Today · 4.125%
HK$92,057
baseline
▲ 0.50% · 4.625%
HK$96,909
+HK$4,852/mo
Deposit HK$11.48M · loan HK$17.21M · min. income ≈ HK$184,114/mo (50% DSR)
Upfront cash ≈ HK$12.70M (deposit + AVD stamp duty HK$1,219,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,592
−HK$5,743/mo
▼ 0.25% · 3.875%
HK$94,441
−HK$2,894/mo
Today · 4.125%
HK$97,335
baseline
▲ 0.50% · 4.625%
HK$103,258
+HK$5,923/mo
Deposit HK$8.61M · loan HK$20.08M · min. income ≈ HK$194,670/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$1,219,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,895
−HK$5,505/mo
▼ 0.25% · 3.875%
HK$104,627
−HK$2,773/mo
Today · 4.125%
HK$107,400
baseline
▲ 0.50% · 4.625%
HK$113,061
+HK$5,661/mo
Deposit HK$8.61M · loan HK$20.08M · min. income ≈ HK$214,800/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$1,219,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,761
−HK$7,384/mo
▼ 0.25% · 3.875%
HK$121,424
−HK$3,721/mo
Today · 4.125%
HK$125,145
baseline
▲ 0.50% · 4.625%
HK$132,760
+HK$7,615/mo
Deposit HK$2.87M · loan HK$25.82M · min. income ≈ HK$250,290/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$1,219,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,007
−HK$7,078/mo
▼ 0.25% · 3.875%
HK$134,521
−HK$3,564/mo
Today · 4.125%
HK$138,085
baseline
▲ 0.50% · 4.625%
HK$145,364
+HK$7,279/mo
Deposit HK$2.87M · loan HK$25.82M · min. income ≈ HK$276,170/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$1,219,362 · Scale 2, in force from 26 Feb 2026)