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$67,751
−HK$4,249/mo
▼ 0.25% · 3.875%
HK$69,859
−HK$2,141/mo
Today · 4.125%
HK$72,000
baseline
▲ 0.50% · 4.625%
HK$76,381
+HK$4,381/mo
Deposit HK$14.86M · loan HK$14.86M · min. income ≈ HK$144,000/mo (50% DSR)
Upfront cash ≈ HK$16.12M (deposit + AVD stamp duty HK$1,262,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,372
−HK$4,073/mo
▼ 0.25% · 3.875%
HK$77,394
−HK$2,051/mo
Today · 4.125%
HK$79,445
baseline
▲ 0.50% · 4.625%
HK$83,632
+HK$4,187/mo
Deposit HK$14.86M · loan HK$14.86M · min. income ≈ HK$158,890/mo (50% DSR)
Upfront cash ≈ HK$16.12M (deposit + AVD stamp duty HK$1,262,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,301
−HK$5,099/mo
▼ 0.25% · 3.875%
HK$83,830
−HK$2,570/mo
Today · 4.125%
HK$86,400
baseline
▲ 0.50% · 4.625%
HK$91,657
+HK$5,257/mo
Deposit HK$11.88M · loan HK$17.83M · min. income ≈ HK$172,800/mo (50% DSR)
Upfront cash ≈ HK$13.15M (deposit + AVD stamp duty HK$1,262,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,447
−HK$4,887/mo
▼ 0.25% · 3.875%
HK$92,873
−HK$2,461/mo
Today · 4.125%
HK$95,334
baseline
▲ 0.50% · 4.625%
HK$100,359
+HK$5,025/mo
Deposit HK$11.88M · loan HK$17.83M · min. income ≈ HK$190,668/mo (50% DSR)
Upfront cash ≈ HK$13.15M (deposit + AVD stamp duty HK$1,262,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,852
−HK$5,948/mo
▼ 0.25% · 3.875%
HK$97,802
−HK$2,998/mo
Today · 4.125%
HK$100,800
baseline
▲ 0.50% · 4.625%
HK$106,933
+HK$6,133/mo
Deposit HK$8.91M · loan HK$20.80M · min. income ≈ HK$201,600/mo (50% DSR)
Upfront cash ≈ HK$10.18M (deposit + AVD stamp duty HK$1,262,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,521
−HK$5,701/mo
▼ 0.25% · 3.875%
HK$108,351
−HK$2,871/mo
Today · 4.125%
HK$111,222
baseline
▲ 0.50% · 4.625%
HK$117,085
+HK$5,863/mo
Deposit HK$8.91M · loan HK$20.80M · min. income ≈ HK$222,444/mo (50% DSR)
Upfront cash ≈ HK$10.18M (deposit + AVD stamp duty HK$1,262,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,952
−HK$7,647/mo
▼ 0.25% · 3.875%
HK$125,745
−HK$3,854/mo
Today · 4.125%
HK$129,599
baseline
▲ 0.50% · 4.625%
HK$137,485
+HK$7,886/mo
Deposit HK$2.97M · loan HK$26.74M · min. income ≈ HK$259,198/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$1,262,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,670
−HK$7,330/mo
▼ 0.25% · 3.875%
HK$139,309
−HK$3,691/mo
Today · 4.125%
HK$143,000
baseline
▲ 0.50% · 4.625%
HK$150,538
+HK$7,538/mo
Deposit HK$2.97M · loan HK$26.74M · min. income ≈ HK$286,000/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$1,262,763 · Scale 2, in force from 26 Feb 2026)