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$65,684
−HK$4,118/mo
▼ 0.25% · 3.875%
HK$67,727
−HK$2,075/mo
Today · 4.125%
HK$69,802
baseline
▲ 0.50% · 4.625%
HK$74,050
+HK$4,248/mo
Deposit HK$14.40M · loan HK$14.40M · min. income ≈ HK$139,604/mo (50% DSR)
Upfront cash ≈ HK$15.63M (deposit + AVD stamp duty HK$1,224,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,072
−HK$3,948/mo
▼ 0.25% · 3.875%
HK$75,032
−HK$1,988/mo
Today · 4.125%
HK$77,020
baseline
▲ 0.50% · 4.625%
HK$81,080
+HK$4,060/mo
Deposit HK$14.40M · loan HK$14.40M · min. income ≈ HK$154,040/mo (50% DSR)
Upfront cash ≈ HK$15.63M (deposit + AVD stamp duty HK$1,224,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,820
−HK$4,943/mo
▼ 0.25% · 3.875%
HK$81,272
−HK$2,491/mo
Today · 4.125%
HK$83,763
baseline
▲ 0.50% · 4.625%
HK$88,860
+HK$5,097/mo
Deposit HK$11.52M · loan HK$17.28M · min. income ≈ HK$167,526/mo (50% DSR)
Upfront cash ≈ HK$12.75M (deposit + AVD stamp duty HK$1,224,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,687
−HK$4,737/mo
▼ 0.25% · 3.875%
HK$90,038
−HK$2,386/mo
Today · 4.125%
HK$92,424
baseline
▲ 0.50% · 4.625%
HK$97,296
+HK$4,872/mo
Deposit HK$11.52M · loan HK$17.28M · min. income ≈ HK$184,848/mo (50% DSR)
Upfront cash ≈ HK$12.75M (deposit + AVD stamp duty HK$1,224,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,957
−HK$5,766/mo
▼ 0.25% · 3.875%
HK$94,817
−HK$2,906/mo
Today · 4.125%
HK$97,723
baseline
▲ 0.50% · 4.625%
HK$103,670
+HK$5,947/mo
Deposit HK$8.64M · loan HK$20.16M · min. income ≈ HK$195,446/mo (50% DSR)
Upfront cash ≈ HK$9.87M (deposit + AVD stamp duty HK$1,224,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,301
−HK$5,527/mo
▼ 0.25% · 3.875%
HK$105,045
−HK$2,783/mo
Today · 4.125%
HK$107,828
baseline
▲ 0.50% · 4.625%
HK$113,512
+HK$5,684/mo
Deposit HK$8.64M · loan HK$20.16M · min. income ≈ HK$215,656/mo (50% DSR)
Upfront cash ≈ HK$9.87M (deposit + AVD stamp duty HK$1,224,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,230
−HK$7,414/mo
▼ 0.25% · 3.875%
HK$121,908
−HK$3,736/mo
Today · 4.125%
HK$125,644
baseline
▲ 0.50% · 4.625%
HK$133,290
+HK$7,646/mo
Deposit HK$2.88M · loan HK$25.92M · min. income ≈ HK$251,288/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$1,224,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,530
−HK$7,106/mo
▼ 0.25% · 3.875%
HK$135,058
−HK$3,578/mo
Today · 4.125%
HK$138,636
baseline
▲ 0.50% · 4.625%
HK$145,944
+HK$7,308/mo
Deposit HK$2.88M · loan HK$25.92M · min. income ≈ HK$277,272/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$1,224,226 · Scale 2, in force from 26 Feb 2026)