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$67,307
−HK$4,221/mo
▼ 0.25% · 3.875%
HK$69,401
−HK$2,127/mo
Today · 4.125%
HK$71,528
baseline
▲ 0.50% · 4.625%
HK$75,880
+HK$4,352/mo
Deposit HK$14.76M · loan HK$14.76M · min. income ≈ HK$143,056/mo (50% DSR)
Upfront cash ≈ HK$16.01M (deposit + AVD stamp duty HK$1,254,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,879
−HK$4,045/mo
▼ 0.25% · 3.875%
HK$76,887
−HK$2,037/mo
Today · 4.125%
HK$78,924
baseline
▲ 0.50% · 4.625%
HK$83,084
+HK$4,160/mo
Deposit HK$14.76M · loan HK$14.76M · min. income ≈ HK$157,848/mo (50% DSR)
Upfront cash ≈ HK$16.01M (deposit + AVD stamp duty HK$1,254,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,769
−HK$5,065/mo
▼ 0.25% · 3.875%
HK$83,281
−HK$2,553/mo
Today · 4.125%
HK$85,834
baseline
▲ 0.50% · 4.625%
HK$91,057
+HK$5,223/mo
Deposit HK$11.81M · loan HK$17.71M · min. income ≈ HK$171,668/mo (50% DSR)
Upfront cash ≈ HK$13.06M (deposit + AVD stamp duty HK$1,254,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,855
−HK$4,854/mo
▼ 0.25% · 3.875%
HK$92,264
−HK$2,445/mo
Today · 4.125%
HK$94,709
baseline
▲ 0.50% · 4.625%
HK$99,701
+HK$4,992/mo
Deposit HK$11.81M · loan HK$17.71M · min. income ≈ HK$189,418/mo (50% DSR)
Upfront cash ≈ HK$13.06M (deposit + AVD stamp duty HK$1,254,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,230
−HK$5,909/mo
▼ 0.25% · 3.875%
HK$97,161
−HK$2,978/mo
Today · 4.125%
HK$100,139
baseline
▲ 0.50% · 4.625%
HK$106,233
+HK$6,094/mo
Deposit HK$8.86M · loan HK$20.66M · min. income ≈ HK$200,278/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$1,254,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,830
−HK$5,664/mo
▼ 0.25% · 3.875%
HK$107,642
−HK$2,852/mo
Today · 4.125%
HK$110,494
baseline
▲ 0.50% · 4.625%
HK$116,318
+HK$5,824/mo
Deposit HK$8.86M · loan HK$20.66M · min. income ≈ HK$220,988/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$1,254,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,153
−HK$7,598/mo
▼ 0.25% · 3.875%
HK$124,922
−HK$3,829/mo
Today · 4.125%
HK$128,751
baseline
▲ 0.50% · 4.625%
HK$136,585
+HK$7,834/mo
Deposit HK$2.95M · loan HK$26.57M · min. income ≈ HK$257,502/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$1,254,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,782
−HK$7,282/mo
▼ 0.25% · 3.875%
HK$138,397
−HK$3,667/mo
Today · 4.125%
HK$142,064
baseline
▲ 0.50% · 4.625%
HK$149,552
+HK$7,488/mo
Deposit HK$2.95M · loan HK$26.57M · min. income ≈ HK$284,128/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$1,254,492 · Scale 2, in force from 26 Feb 2026)