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$64,612
−HK$4,052/mo
▼ 0.25% · 3.875%
HK$66,622
−HK$2,042/mo
Today · 4.125%
HK$68,664
baseline
▲ 0.50% · 4.625%
HK$72,842
+HK$4,178/mo
Deposit HK$14.17M · loan HK$14.17M · min. income ≈ HK$137,328/mo (50% DSR)
Upfront cash ≈ HK$15.37M (deposit + AVD stamp duty HK$1,204,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,881
−HK$3,883/mo
▼ 0.25% · 3.875%
HK$73,808
−HK$1,956/mo
Today · 4.125%
HK$75,764
baseline
▲ 0.50% · 4.625%
HK$79,758
+HK$3,994/mo
Deposit HK$14.17M · loan HK$14.17M · min. income ≈ HK$151,528/mo (50% DSR)
Upfront cash ≈ HK$15.37M (deposit + AVD stamp duty HK$1,204,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,535
−HK$4,862/mo
▼ 0.25% · 3.875%
HK$79,947
−HK$2,450/mo
Today · 4.125%
HK$82,397
baseline
▲ 0.50% · 4.625%
HK$87,411
+HK$5,014/mo
Deposit HK$11.33M · loan HK$17.00M · min. income ≈ HK$164,794/mo (50% DSR)
Upfront cash ≈ HK$12.54M (deposit + AVD stamp duty HK$1,204,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,257
−HK$4,660/mo
▼ 0.25% · 3.875%
HK$88,570
−HK$2,347/mo
Today · 4.125%
HK$90,917
baseline
▲ 0.50% · 4.625%
HK$95,709
+HK$4,792/mo
Deposit HK$11.33M · loan HK$17.00M · min. income ≈ HK$181,834/mo (50% DSR)
Upfront cash ≈ HK$12.54M (deposit + AVD stamp duty HK$1,204,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,457
−HK$5,673/mo
▼ 0.25% · 3.875%
HK$93,271
−HK$2,859/mo
Today · 4.125%
HK$96,130
baseline
▲ 0.50% · 4.625%
HK$101,979
+HK$5,849/mo
Deposit HK$8.50M · loan HK$19.83M · min. income ≈ HK$192,260/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$1,204,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,633
−HK$5,437/mo
▼ 0.25% · 3.875%
HK$103,332
−HK$2,738/mo
Today · 4.125%
HK$106,070
baseline
▲ 0.50% · 4.625%
HK$111,661
+HK$5,591/mo
Deposit HK$8.50M · loan HK$19.83M · min. income ≈ HK$212,140/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$1,204,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,302
−HK$7,293/mo
▼ 0.25% · 3.875%
HK$119,920
−HK$3,675/mo
Today · 4.125%
HK$123,595
baseline
▲ 0.50% · 4.625%
HK$131,116
+HK$7,521/mo
Deposit HK$2.83M · loan HK$25.50M · min. income ≈ HK$247,190/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$1,204,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,385
−HK$6,990/mo
▼ 0.25% · 3.875%
HK$132,855
−HK$3,520/mo
Today · 4.125%
HK$136,375
baseline
▲ 0.50% · 4.625%
HK$143,564
+HK$7,189/mo
Deposit HK$2.83M · loan HK$25.50M · min. income ≈ HK$272,750/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$1,204,261 · Scale 2, in force from 26 Feb 2026)