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$65,961
−HK$4,137/mo
▼ 0.25% · 3.875%
HK$68,013
−HK$2,085/mo
Today · 4.125%
HK$70,098
baseline
▲ 0.50% · 4.625%
HK$74,363
+HK$4,265/mo
Deposit HK$14.46M · loan HK$14.46M · min. income ≈ HK$140,196/mo (50% DSR)
Upfront cash ≈ HK$15.69M (deposit + AVD stamp duty HK$1,229,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,381
−HK$3,965/mo
▼ 0.25% · 3.875%
HK$75,350
−HK$1,996/mo
Today · 4.125%
HK$77,346
baseline
▲ 0.50% · 4.625%
HK$81,423
+HK$4,077/mo
Deposit HK$14.46M · loan HK$14.46M · min. income ≈ HK$154,692/mo (50% DSR)
Upfront cash ≈ HK$15.69M (deposit + AVD stamp duty HK$1,229,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,154
−HK$4,963/mo
▼ 0.25% · 3.875%
HK$81,616
−HK$2,501/mo
Today · 4.125%
HK$84,117
baseline
▲ 0.50% · 4.625%
HK$89,236
+HK$5,119/mo
Deposit HK$11.57M · loan HK$17.36M · min. income ≈ HK$168,234/mo (50% DSR)
Upfront cash ≈ HK$12.80M (deposit + AVD stamp duty HK$1,229,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,058
−HK$4,757/mo
▼ 0.25% · 3.875%
HK$90,419
−HK$2,396/mo
Today · 4.125%
HK$92,815
baseline
▲ 0.50% · 4.625%
HK$97,708
+HK$4,893/mo
Deposit HK$11.57M · loan HK$17.36M · min. income ≈ HK$185,630/mo (50% DSR)
Upfront cash ≈ HK$12.80M (deposit + AVD stamp duty HK$1,229,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,346
−HK$5,791/mo
▼ 0.25% · 3.875%
HK$95,219
−HK$2,918/mo
Today · 4.125%
HK$98,137
baseline
▲ 0.50% · 4.625%
HK$104,108
+HK$5,971/mo
Deposit HK$8.68M · loan HK$20.25M · min. income ≈ HK$196,274/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$1,229,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,734
−HK$5,550/mo
▼ 0.25% · 3.875%
HK$105,489
−HK$2,795/mo
Today · 4.125%
HK$108,284
baseline
▲ 0.50% · 4.625%
HK$113,992
+HK$5,708/mo
Deposit HK$8.68M · loan HK$20.25M · min. income ≈ HK$216,568/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$1,229,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,731
−HK$7,445/mo
▼ 0.25% · 3.875%
HK$122,424
−HK$3,752/mo
Today · 4.125%
HK$126,176
baseline
▲ 0.50% · 4.625%
HK$133,854
+HK$7,678/mo
Deposit HK$2.89M · loan HK$26.03M · min. income ≈ HK$252,352/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$1,229,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,087
−HK$7,136/mo
▼ 0.25% · 3.875%
HK$135,629
−HK$3,594/mo
Today · 4.125%
HK$139,223
baseline
▲ 0.50% · 4.625%
HK$146,562
+HK$7,339/mo
Deposit HK$2.89M · loan HK$26.03M · min. income ≈ HK$278,446/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$1,229,407 · Scale 2, in force from 26 Feb 2026)