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$68,286
−HK$4,283/mo
▼ 0.25% · 3.875%
HK$70,411
−HK$2,158/mo
Today · 4.125%
HK$72,569
baseline
▲ 0.50% · 4.625%
HK$76,984
+HK$4,415/mo
Deposit HK$14.97M · loan HK$14.97M · min. income ≈ HK$145,138/mo (50% DSR)
Upfront cash ≈ HK$16.25M (deposit + AVD stamp duty HK$1,272,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,968
−HK$4,104/mo
▼ 0.25% · 3.875%
HK$78,005
−HK$2,067/mo
Today · 4.125%
HK$80,072
baseline
▲ 0.50% · 4.625%
HK$84,293
+HK$4,221/mo
Deposit HK$14.97M · loan HK$14.97M · min. income ≈ HK$160,144/mo (50% DSR)
Upfront cash ≈ HK$16.25M (deposit + AVD stamp duty HK$1,272,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,944
−HK$5,138/mo
▼ 0.25% · 3.875%
HK$84,493
−HK$2,589/mo
Today · 4.125%
HK$87,082
baseline
▲ 0.50% · 4.625%
HK$92,381
+HK$5,299/mo
Deposit HK$11.98M · loan HK$17.97M · min. income ≈ HK$174,164/mo (50% DSR)
Upfront cash ≈ HK$13.25M (deposit + AVD stamp duty HK$1,272,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,162
−HK$4,925/mo
▼ 0.25% · 3.875%
HK$93,606
−HK$2,481/mo
Today · 4.125%
HK$96,087
baseline
▲ 0.50% · 4.625%
HK$101,152
+HK$5,065/mo
Deposit HK$11.98M · loan HK$17.97M · min. income ≈ HK$192,174/mo (50% DSR)
Upfront cash ≈ HK$13.25M (deposit + AVD stamp duty HK$1,272,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,601
−HK$5,995/mo
▼ 0.25% · 3.875%
HK$98,575
−HK$3,021/mo
Today · 4.125%
HK$101,596
baseline
▲ 0.50% · 4.625%
HK$107,778
+HK$6,182/mo
Deposit HK$8.98M · loan HK$20.96M · min. income ≈ HK$203,192/mo (50% DSR)
Upfront cash ≈ HK$10.26M (deposit + AVD stamp duty HK$1,272,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,355
−HK$5,746/mo
▼ 0.25% · 3.875%
HK$109,208
−HK$2,893/mo
Today · 4.125%
HK$112,101
baseline
▲ 0.50% · 4.625%
HK$118,010
+HK$5,909/mo
Deposit HK$8.98M · loan HK$20.96M · min. income ≈ HK$224,202/mo (50% DSR)
Upfront cash ≈ HK$10.26M (deposit + AVD stamp duty HK$1,272,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,916
−HK$7,707/mo
▼ 0.25% · 3.875%
HK$126,739
−HK$3,884/mo
Today · 4.125%
HK$130,623
baseline
▲ 0.50% · 4.625%
HK$138,572
+HK$7,949/mo
Deposit HK$2.99M · loan HK$26.95M · min. income ≈ HK$261,246/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$1,272,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,742
−HK$7,388/mo
▼ 0.25% · 3.875%
HK$140,410
−HK$3,720/mo
Today · 4.125%
HK$144,130
baseline
▲ 0.50% · 4.625%
HK$151,727
+HK$7,597/mo
Deposit HK$2.99M · loan HK$26.95M · min. income ≈ HK$288,260/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$1,272,741 · Scale 2, in force from 26 Feb 2026)