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$68,342
−HK$4,286/mo
▼ 0.25% · 3.875%
HK$70,468
−HK$2,160/mo
Today · 4.125%
HK$72,628
baseline
▲ 0.50% · 4.625%
HK$77,047
+HK$4,419/mo
Deposit HK$14.99M · loan HK$14.99M · min. income ≈ HK$145,256/mo (50% DSR)
Upfront cash ≈ HK$16.26M (deposit + AVD stamp duty HK$1,273,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,030
−HK$4,108/mo
▼ 0.25% · 3.875%
HK$78,069
−HK$2,069/mo
Today · 4.125%
HK$80,138
baseline
▲ 0.50% · 4.625%
HK$84,362
+HK$4,224/mo
Deposit HK$14.99M · loan HK$14.99M · min. income ≈ HK$160,276/mo (50% DSR)
Upfront cash ≈ HK$16.26M (deposit + AVD stamp duty HK$1,273,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,011
−HK$5,142/mo
▼ 0.25% · 3.875%
HK$84,562
−HK$2,591/mo
Today · 4.125%
HK$87,153
baseline
▲ 0.50% · 4.625%
HK$92,456
+HK$5,303/mo
Deposit HK$11.99M · loan HK$17.98M · min. income ≈ HK$174,306/mo (50% DSR)
Upfront cash ≈ HK$13.26M (deposit + AVD stamp duty HK$1,273,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,236
−HK$4,929/mo
▼ 0.25% · 3.875%
HK$93,683
−HK$2,482/mo
Today · 4.125%
HK$96,165
baseline
▲ 0.50% · 4.625%
HK$101,234
+HK$5,069/mo
Deposit HK$11.99M · loan HK$17.98M · min. income ≈ HK$192,330/mo (50% DSR)
Upfront cash ≈ HK$13.26M (deposit + AVD stamp duty HK$1,273,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,679
−HK$6,000/mo
▼ 0.25% · 3.875%
HK$98,655
−HK$3,024/mo
Today · 4.125%
HK$101,679
baseline
▲ 0.50% · 4.625%
HK$107,866
+HK$6,187/mo
Deposit HK$8.99M · loan HK$20.98M · min. income ≈ HK$203,358/mo (50% DSR)
Upfront cash ≈ HK$10.27M (deposit + AVD stamp duty HK$1,273,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,442
−HK$5,751/mo
▼ 0.25% · 3.875%
HK$109,297
−HK$2,896/mo
Today · 4.125%
HK$112,193
baseline
▲ 0.50% · 4.625%
HK$118,106
+HK$5,913/mo
Deposit HK$8.99M · loan HK$20.98M · min. income ≈ HK$224,386/mo (50% DSR)
Upfront cash ≈ HK$10.27M (deposit + AVD stamp duty HK$1,273,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,016
−HK$7,714/mo
▼ 0.25% · 3.875%
HK$126,842
−HK$3,888/mo
Today · 4.125%
HK$130,730
baseline
▲ 0.50% · 4.625%
HK$138,685
+HK$7,955/mo
Deposit HK$3.00M · loan HK$26.97M · min. income ≈ HK$261,460/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$1,273,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,854
−HK$7,394/mo
▼ 0.25% · 3.875%
HK$140,524
−HK$3,724/mo
Today · 4.125%
HK$144,248
baseline
▲ 0.50% · 4.625%
HK$151,851
+HK$7,603/mo
Deposit HK$3.00M · loan HK$26.97M · min. income ≈ HK$288,496/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$1,273,778 · Scale 2, in force from 26 Feb 2026)