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$68,213
−HK$4,277/mo
▼ 0.25% · 3.875%
HK$70,334
−HK$2,156/mo
Today · 4.125%
HK$72,490
baseline
▲ 0.50% · 4.625%
HK$76,901
+HK$4,411/mo
Deposit HK$14.96M · loan HK$14.96M · min. income ≈ HK$144,980/mo (50% DSR)
Upfront cash ≈ HK$16.23M (deposit + AVD stamp duty HK$1,271,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,886
−HK$4,100/mo
▼ 0.25% · 3.875%
HK$77,921
−HK$2,065/mo
Today · 4.125%
HK$79,986
baseline
▲ 0.50% · 4.625%
HK$84,202
+HK$4,216/mo
Deposit HK$14.96M · loan HK$14.96M · min. income ≈ HK$159,972/mo (50% DSR)
Upfront cash ≈ HK$16.23M (deposit + AVD stamp duty HK$1,271,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,855
−HK$5,133/mo
▼ 0.25% · 3.875%
HK$84,401
−HK$2,587/mo
Today · 4.125%
HK$86,988
baseline
▲ 0.50% · 4.625%
HK$92,281
+HK$5,293/mo
Deposit HK$11.97M · loan HK$17.95M · min. income ≈ HK$173,976/mo (50% DSR)
Upfront cash ≈ HK$13.24M (deposit + AVD stamp duty HK$1,271,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,063
−HK$4,920/mo
▼ 0.25% · 3.875%
HK$93,505
−HK$2,478/mo
Today · 4.125%
HK$95,983
baseline
▲ 0.50% · 4.625%
HK$101,042
+HK$5,059/mo
Deposit HK$11.97M · loan HK$17.95M · min. income ≈ HK$191,966/mo (50% DSR)
Upfront cash ≈ HK$13.24M (deposit + AVD stamp duty HK$1,271,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,498
−HK$5,988/mo
▼ 0.25% · 3.875%
HK$98,468
−HK$3,018/mo
Today · 4.125%
HK$101,486
baseline
▲ 0.50% · 4.625%
HK$107,662
+HK$6,176/mo
Deposit HK$8.97M · loan HK$20.94M · min. income ≈ HK$202,972/mo (50% DSR)
Upfront cash ≈ HK$10.25M (deposit + AVD stamp duty HK$1,271,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,240
−HK$5,740/mo
▼ 0.25% · 3.875%
HK$109,090
−HK$2,890/mo
Today · 4.125%
HK$111,980
baseline
▲ 0.50% · 4.625%
HK$117,883
+HK$5,903/mo
Deposit HK$8.97M · loan HK$20.94M · min. income ≈ HK$223,960/mo (50% DSR)
Upfront cash ≈ HK$10.25M (deposit + AVD stamp duty HK$1,271,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,783
−HK$7,699/mo
▼ 0.25% · 3.875%
HK$126,602
−HK$3,880/mo
Today · 4.125%
HK$130,482
baseline
▲ 0.50% · 4.625%
HK$138,422
+HK$7,940/mo
Deposit HK$2.99M · loan HK$26.92M · min. income ≈ HK$260,964/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$1,271,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,595
−HK$7,379/mo
▼ 0.25% · 3.875%
HK$140,258
−HK$3,716/mo
Today · 4.125%
HK$143,974
baseline
▲ 0.50% · 4.625%
HK$151,564
+HK$7,590/mo
Deposit HK$2.99M · loan HK$26.92M · min. income ≈ HK$287,948/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$1,271,366 · Scale 2, in force from 26 Feb 2026)