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$67,436
−HK$4,228/mo
▼ 0.25% · 3.875%
HK$69,533
−HK$2,131/mo
Today · 4.125%
HK$71,664
baseline
▲ 0.50% · 4.625%
HK$76,025
+HK$4,361/mo
Deposit HK$14.79M · loan HK$14.79M · min. income ≈ HK$143,328/mo (50% DSR)
Upfront cash ≈ HK$16.04M (deposit + AVD stamp duty HK$1,256,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,021
−HK$4,054/mo
▼ 0.25% · 3.875%
HK$77,033
−HK$2,042/mo
Today · 4.125%
HK$79,075
baseline
▲ 0.50% · 4.625%
HK$83,243
+HK$4,168/mo
Deposit HK$14.79M · loan HK$14.79M · min. income ≈ HK$158,150/mo (50% DSR)
Upfront cash ≈ HK$16.04M (deposit + AVD stamp duty HK$1,256,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,923
−HK$5,074/mo
▼ 0.25% · 3.875%
HK$83,440
−HK$2,557/mo
Today · 4.125%
HK$85,997
baseline
▲ 0.50% · 4.625%
HK$91,230
+HK$5,233/mo
Deposit HK$11.83M · loan HK$17.74M · min. income ≈ HK$171,994/mo (50% DSR)
Upfront cash ≈ HK$13.09M (deposit + AVD stamp duty HK$1,256,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,026
−HK$4,864/mo
▼ 0.25% · 3.875%
HK$92,440
−HK$2,450/mo
Today · 4.125%
HK$94,890
baseline
▲ 0.50% · 4.625%
HK$99,891
+HK$5,001/mo
Deposit HK$11.83M · loan HK$17.74M · min. income ≈ HK$189,780/mo (50% DSR)
Upfront cash ≈ HK$13.09M (deposit + AVD stamp duty HK$1,256,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,410
−HK$5,920/mo
▼ 0.25% · 3.875%
HK$97,347
−HK$2,983/mo
Today · 4.125%
HK$100,330
baseline
▲ 0.50% · 4.625%
HK$106,435
+HK$6,105/mo
Deposit HK$8.87M · loan HK$20.70M · min. income ≈ HK$200,660/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$1,256,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,030
−HK$5,674/mo
▼ 0.25% · 3.875%
HK$107,847
−HK$2,857/mo
Today · 4.125%
HK$110,704
baseline
▲ 0.50% · 4.625%
HK$116,540
+HK$5,836/mo
Deposit HK$8.87M · loan HK$20.70M · min. income ≈ HK$221,408/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$1,256,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,384
−HK$7,612/mo
▼ 0.25% · 3.875%
HK$125,160
−HK$3,836/mo
Today · 4.125%
HK$128,996
baseline
▲ 0.50% · 4.625%
HK$136,845
+HK$7,849/mo
Deposit HK$2.96M · loan HK$26.62M · min. income ≈ HK$257,992/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$1,256,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,039
−HK$7,295/mo
▼ 0.25% · 3.875%
HK$138,660
−HK$3,674/mo
Today · 4.125%
HK$142,334
baseline
▲ 0.50% · 4.625%
HK$149,837
+HK$7,503/mo
Deposit HK$2.96M · loan HK$26.62M · min. income ≈ HK$284,668/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$1,256,882 · Scale 2, in force from 26 Feb 2026)