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$66,753
−HK$4,186/mo
▼ 0.25% · 3.875%
HK$68,829
−HK$2,110/mo
Today · 4.125%
HK$70,939
baseline
▲ 0.50% · 4.625%
HK$75,255
+HK$4,316/mo
Deposit HK$14.64M · loan HK$14.64M · min. income ≈ HK$141,878/mo (50% DSR)
Upfront cash ≈ HK$15.88M (deposit + AVD stamp duty HK$1,244,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,262
−HK$4,012/mo
▼ 0.25% · 3.875%
HK$76,254
−HK$2,020/mo
Today · 4.125%
HK$78,274
baseline
▲ 0.50% · 4.625%
HK$82,400
+HK$4,126/mo
Deposit HK$14.64M · loan HK$14.64M · min. income ≈ HK$156,548/mo (50% DSR)
Upfront cash ≈ HK$15.88M (deposit + AVD stamp duty HK$1,244,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,103
−HK$5,024/mo
▼ 0.25% · 3.875%
HK$82,595
−HK$2,532/mo
Today · 4.125%
HK$85,127
baseline
▲ 0.50% · 4.625%
HK$90,306
+HK$5,179/mo
Deposit HK$11.71M · loan HK$17.56M · min. income ≈ HK$170,254/mo (50% DSR)
Upfront cash ≈ HK$12.95M (deposit + AVD stamp duty HK$1,244,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,114
−HK$4,815/mo
▼ 0.25% · 3.875%
HK$91,504
−HK$2,425/mo
Today · 4.125%
HK$93,929
baseline
▲ 0.50% · 4.625%
HK$98,880
+HK$4,951/mo
Deposit HK$11.71M · loan HK$17.56M · min. income ≈ HK$187,858/mo (50% DSR)
Upfront cash ≈ HK$12.95M (deposit + AVD stamp duty HK$1,244,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,454
−HK$5,860/mo
▼ 0.25% · 3.875%
HK$96,361
−HK$2,953/mo
Today · 4.125%
HK$99,314
baseline
▲ 0.50% · 4.625%
HK$105,358
+HK$6,044/mo
Deposit HK$8.78M · loan HK$20.49M · min. income ≈ HK$198,628/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$1,244,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,967
−HK$5,617/mo
▼ 0.25% · 3.875%
HK$106,755
−HK$2,829/mo
Today · 4.125%
HK$109,584
baseline
▲ 0.50% · 4.625%
HK$115,360
+HK$5,776/mo
Deposit HK$8.78M · loan HK$20.49M · min. income ≈ HK$219,168/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$1,244,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,155
−HK$7,535/mo
▼ 0.25% · 3.875%
HK$123,893
−HK$3,797/mo
Today · 4.125%
HK$127,690
baseline
▲ 0.50% · 4.625%
HK$135,460
+HK$7,770/mo
Deposit HK$2.93M · loan HK$26.35M · min. income ≈ HK$255,380/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$1,244,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,672
−HK$7,221/mo
▼ 0.25% · 3.875%
HK$137,256
−HK$3,637/mo
Today · 4.125%
HK$140,893
baseline
▲ 0.50% · 4.625%
HK$148,320
+HK$7,427/mo
Deposit HK$2.93M · loan HK$26.35M · min. income ≈ HK$281,786/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$1,244,158 · Scale 2, in force from 26 Feb 2026)