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$64,700
−HK$4,057/mo
▼ 0.25% · 3.875%
HK$66,712
−HK$2,045/mo
Today · 4.125%
HK$68,757
baseline
▲ 0.50% · 4.625%
HK$72,941
+HK$4,184/mo
Deposit HK$14.19M · loan HK$14.19M · min. income ≈ HK$137,514/mo (50% DSR)
Upfront cash ≈ HK$15.39M (deposit + AVD stamp duty HK$1,205,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,978
−HK$3,888/mo
▼ 0.25% · 3.875%
HK$73,908
−HK$1,958/mo
Today · 4.125%
HK$75,866
baseline
▲ 0.50% · 4.625%
HK$79,865
+HK$3,999/mo
Deposit HK$14.19M · loan HK$14.19M · min. income ≈ HK$151,732/mo (50% DSR)
Upfront cash ≈ HK$15.39M (deposit + AVD stamp duty HK$1,205,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,640
−HK$4,868/mo
▼ 0.25% · 3.875%
HK$80,055
−HK$2,453/mo
Today · 4.125%
HK$82,508
baseline
▲ 0.50% · 4.625%
HK$87,529
+HK$5,021/mo
Deposit HK$11.35M · loan HK$17.02M · min. income ≈ HK$165,016/mo (50% DSR)
Upfront cash ≈ HK$12.56M (deposit + AVD stamp duty HK$1,205,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,373
−HK$4,667/mo
▼ 0.25% · 3.875%
HK$88,690
−HK$2,350/mo
Today · 4.125%
HK$91,040
baseline
▲ 0.50% · 4.625%
HK$95,838
+HK$4,798/mo
Deposit HK$11.35M · loan HK$17.02M · min. income ≈ HK$182,080/mo (50% DSR)
Upfront cash ≈ HK$12.56M (deposit + AVD stamp duty HK$1,205,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,579
−HK$5,681/mo
▼ 0.25% · 3.875%
HK$93,397
−HK$2,863/mo
Today · 4.125%
HK$96,260
baseline
▲ 0.50% · 4.625%
HK$102,117
+HK$5,857/mo
Deposit HK$8.51M · loan HK$19.86M · min. income ≈ HK$192,520/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$1,205,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,769
−HK$5,444/mo
▼ 0.25% · 3.875%
HK$103,471
−HK$2,742/mo
Today · 4.125%
HK$106,213
baseline
▲ 0.50% · 4.625%
HK$111,812
+HK$5,599/mo
Deposit HK$8.51M · loan HK$19.86M · min. income ≈ HK$212,426/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$1,205,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,459
−HK$7,303/mo
▼ 0.25% · 3.875%
HK$120,082
−HK$3,680/mo
Today · 4.125%
HK$123,762
baseline
▲ 0.50% · 4.625%
HK$131,293
+HK$7,531/mo
Deposit HK$2.84M · loan HK$25.54M · min. income ≈ HK$247,524/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$1,205,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,560
−HK$6,999/mo
▼ 0.25% · 3.875%
HK$133,034
−HK$3,525/mo
Today · 4.125%
HK$136,559
baseline
▲ 0.50% · 4.625%
HK$143,758
+HK$7,199/mo
Deposit HK$2.84M · loan HK$25.54M · min. income ≈ HK$273,118/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$1,205,888 · Scale 2, in force from 26 Feb 2026)