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$67,080
−HK$4,206/mo
▼ 0.25% · 3.875%
HK$69,166
−HK$2,120/mo
Today · 4.125%
HK$71,286
baseline
▲ 0.50% · 4.625%
HK$75,624
+HK$4,338/mo
Deposit HK$14.71M · loan HK$14.71M · min. income ≈ HK$142,572/mo (50% DSR)
Upfront cash ≈ HK$15.96M (deposit + AVD stamp duty HK$1,250,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,626
−HK$4,031/mo
▼ 0.25% · 3.875%
HK$76,627
−HK$2,030/mo
Today · 4.125%
HK$78,657
baseline
▲ 0.50% · 4.625%
HK$82,804
+HK$4,147/mo
Deposit HK$14.71M · loan HK$14.71M · min. income ≈ HK$157,314/mo (50% DSR)
Upfront cash ≈ HK$15.96M (deposit + AVD stamp duty HK$1,250,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,496
−HK$5,048/mo
▼ 0.25% · 3.875%
HK$83,000
−HK$2,544/mo
Today · 4.125%
HK$85,544
baseline
▲ 0.50% · 4.625%
HK$90,749
+HK$5,205/mo
Deposit HK$11.77M · loan HK$17.65M · min. income ≈ HK$171,088/mo (50% DSR)
Upfront cash ≈ HK$13.02M (deposit + AVD stamp duty HK$1,250,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,551
−HK$4,838/mo
▼ 0.25% · 3.875%
HK$91,952
−HK$2,437/mo
Today · 4.125%
HK$94,389
baseline
▲ 0.50% · 4.625%
HK$99,364
+HK$4,975/mo
Deposit HK$11.77M · loan HK$17.65M · min. income ≈ HK$188,778/mo (50% DSR)
Upfront cash ≈ HK$13.02M (deposit + AVD stamp duty HK$1,250,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,912
−HK$5,889/mo
▼ 0.25% · 3.875%
HK$96,833
−HK$2,968/mo
Today · 4.125%
HK$99,801
baseline
▲ 0.50% · 4.625%
HK$105,874
+HK$6,073/mo
Deposit HK$8.83M · loan HK$20.59M · min. income ≈ HK$199,602/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$1,250,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,476
−HK$5,644/mo
▼ 0.25% · 3.875%
HK$107,278
−HK$2,842/mo
Today · 4.125%
HK$110,120
baseline
▲ 0.50% · 4.625%
HK$115,925
+HK$5,805/mo
Deposit HK$8.83M · loan HK$20.59M · min. income ≈ HK$220,240/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$1,250,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,744
−HK$7,571/mo
▼ 0.25% · 3.875%
HK$124,500
−HK$3,815/mo
Today · 4.125%
HK$128,315
baseline
▲ 0.50% · 4.625%
HK$136,123
+HK$7,808/mo
Deposit HK$2.94M · loan HK$26.48M · min. income ≈ HK$256,630/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$1,250,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,326
−HK$7,257/mo
▼ 0.25% · 3.875%
HK$137,929
−HK$3,654/mo
Today · 4.125%
HK$141,583
baseline
▲ 0.50% · 4.625%
HK$149,046
+HK$7,463/mo
Deposit HK$2.94M · loan HK$26.48M · min. income ≈ HK$283,166/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$1,250,252 · Scale 2, in force from 26 Feb 2026)