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$67,765
−HK$4,250/mo
▼ 0.25% · 3.875%
HK$69,873
−HK$2,142/mo
Today · 4.125%
HK$72,015
baseline
▲ 0.50% · 4.625%
HK$76,397
+HK$4,382/mo
Deposit HK$14.86M · loan HK$14.86M · min. income ≈ HK$144,030/mo (50% DSR)
Upfront cash ≈ HK$16.12M (deposit + AVD stamp duty HK$1,263,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,388
−HK$4,073/mo
▼ 0.25% · 3.875%
HK$77,410
−HK$2,051/mo
Today · 4.125%
HK$79,461
baseline
▲ 0.50% · 4.625%
HK$83,650
+HK$4,189/mo
Deposit HK$14.86M · loan HK$14.86M · min. income ≈ HK$158,922/mo (50% DSR)
Upfront cash ≈ HK$16.12M (deposit + AVD stamp duty HK$1,263,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,319
−HK$5,099/mo
▼ 0.25% · 3.875%
HK$83,848
−HK$2,570/mo
Today · 4.125%
HK$86,418
baseline
▲ 0.50% · 4.625%
HK$91,676
+HK$5,258/mo
Deposit HK$11.89M · loan HK$17.83M · min. income ≈ HK$172,836/mo (50% DSR)
Upfront cash ≈ HK$13.15M (deposit + AVD stamp duty HK$1,263,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,466
−HK$4,888/mo
▼ 0.25% · 3.875%
HK$92,892
−HK$2,462/mo
Today · 4.125%
HK$95,354
baseline
▲ 0.50% · 4.625%
HK$100,380
+HK$5,026/mo
Deposit HK$11.89M · loan HK$17.83M · min. income ≈ HK$190,708/mo (50% DSR)
Upfront cash ≈ HK$13.15M (deposit + AVD stamp duty HK$1,263,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,872
−HK$5,949/mo
▼ 0.25% · 3.875%
HK$97,823
−HK$2,998/mo
Today · 4.125%
HK$100,821
baseline
▲ 0.50% · 4.625%
HK$106,956
+HK$6,135/mo
Deposit HK$8.92M · loan HK$20.80M · min. income ≈ HK$201,642/mo (50% DSR)
Upfront cash ≈ HK$10.18M (deposit + AVD stamp duty HK$1,263,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,544
−HK$5,702/mo
▼ 0.25% · 3.875%
HK$108,374
−HK$2,872/mo
Today · 4.125%
HK$111,246
baseline
▲ 0.50% · 4.625%
HK$117,110
+HK$5,864/mo
Deposit HK$8.92M · loan HK$20.80M · min. income ≈ HK$222,492/mo (50% DSR)
Upfront cash ≈ HK$10.18M (deposit + AVD stamp duty HK$1,263,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,978
−HK$7,649/mo
▼ 0.25% · 3.875%
HK$125,772
−HK$3,855/mo
Today · 4.125%
HK$129,627
baseline
▲ 0.50% · 4.625%
HK$137,514
+HK$7,887/mo
Deposit HK$2.97M · loan HK$26.75M · min. income ≈ HK$259,254/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$1,263,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,699
−HK$7,331/mo
▼ 0.25% · 3.875%
HK$139,338
−HK$3,692/mo
Today · 4.125%
HK$143,030
baseline
▲ 0.50% · 4.625%
HK$150,570
+HK$7,540/mo
Deposit HK$2.97M · loan HK$26.75M · min. income ≈ HK$286,060/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$1,263,030 · Scale 2, in force from 26 Feb 2026)