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$65,433
−HK$4,103/mo
▼ 0.25% · 3.875%
HK$67,468
−HK$2,068/mo
Today · 4.125%
HK$69,536
baseline
▲ 0.50% · 4.625%
HK$73,767
+HK$4,231/mo
Deposit HK$14.35M · loan HK$14.35M · min. income ≈ HK$139,072/mo (50% DSR)
Upfront cash ≈ HK$15.57M (deposit + AVD stamp duty HK$1,219,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,794
−HK$3,932/mo
▼ 0.25% · 3.875%
HK$74,746
−HK$1,980/mo
Today · 4.125%
HK$76,726
baseline
▲ 0.50% · 4.625%
HK$80,771
+HK$4,045/mo
Deposit HK$14.35M · loan HK$14.35M · min. income ≈ HK$153,452/mo (50% DSR)
Upfront cash ≈ HK$15.57M (deposit + AVD stamp duty HK$1,219,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,520
−HK$4,923/mo
▼ 0.25% · 3.875%
HK$80,962
−HK$2,481/mo
Today · 4.125%
HK$83,443
baseline
▲ 0.50% · 4.625%
HK$88,521
+HK$5,078/mo
Deposit HK$11.48M · loan HK$17.22M · min. income ≈ HK$166,886/mo (50% DSR)
Upfront cash ≈ HK$12.70M (deposit + AVD stamp duty HK$1,219,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,352
−HK$4,720/mo
▼ 0.25% · 3.875%
HK$89,695
−HK$2,377/mo
Today · 4.125%
HK$92,072
baseline
▲ 0.50% · 4.625%
HK$96,925
+HK$4,853/mo
Deposit HK$11.48M · loan HK$17.22M · min. income ≈ HK$184,144/mo (50% DSR)
Upfront cash ≈ HK$12.70M (deposit + AVD stamp duty HK$1,219,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,606
−HK$5,745/mo
▼ 0.25% · 3.875%
HK$94,456
−HK$2,895/mo
Today · 4.125%
HK$97,351
baseline
▲ 0.50% · 4.625%
HK$103,274
+HK$5,923/mo
Deposit HK$8.61M · loan HK$20.09M · min. income ≈ HK$194,702/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$1,219,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,911
−HK$5,506/mo
▼ 0.25% · 3.875%
HK$104,644
−HK$2,773/mo
Today · 4.125%
HK$107,417
baseline
▲ 0.50% · 4.625%
HK$113,079
+HK$5,662/mo
Deposit HK$8.61M · loan HK$20.09M · min. income ≈ HK$214,834/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$1,219,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,779
−HK$7,386/mo
▼ 0.25% · 3.875%
HK$121,443
−HK$3,722/mo
Today · 4.125%
HK$125,165
baseline
▲ 0.50% · 4.625%
HK$132,781
+HK$7,616/mo
Deposit HK$2.87M · loan HK$25.83M · min. income ≈ HK$250,330/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$1,219,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,028
−HK$7,079/mo
▼ 0.25% · 3.875%
HK$134,542
−HK$3,565/mo
Today · 4.125%
HK$138,107
baseline
▲ 0.50% · 4.625%
HK$145,387
+HK$7,280/mo
Deposit HK$2.87M · loan HK$25.83M · min. income ≈ HK$276,214/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$1,219,557 · Scale 2, in force from 26 Feb 2026)