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$68,183
−HK$4,276/mo
▼ 0.25% · 3.875%
HK$70,304
−HK$2,155/mo
Today · 4.125%
HK$72,459
baseline
▲ 0.50% · 4.625%
HK$76,867
+HK$4,408/mo
Deposit HK$14.95M · loan HK$14.95M · min. income ≈ HK$144,918/mo (50% DSR)
Upfront cash ≈ HK$16.22M (deposit + AVD stamp duty HK$1,270,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,853
−HK$4,098/mo
▼ 0.25% · 3.875%
HK$77,887
−HK$2,064/mo
Today · 4.125%
HK$79,951
baseline
▲ 0.50% · 4.625%
HK$84,165
+HK$4,214/mo
Deposit HK$14.95M · loan HK$14.95M · min. income ≈ HK$159,902/mo (50% DSR)
Upfront cash ≈ HK$16.22M (deposit + AVD stamp duty HK$1,270,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,819
−HK$5,131/mo
▼ 0.25% · 3.875%
HK$84,364
−HK$2,586/mo
Today · 4.125%
HK$86,950
baseline
▲ 0.50% · 4.625%
HK$92,241
+HK$5,291/mo
Deposit HK$11.96M · loan HK$17.94M · min. income ≈ HK$173,900/mo (50% DSR)
Upfront cash ≈ HK$13.23M (deposit + AVD stamp duty HK$1,270,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,023
−HK$4,918/mo
▼ 0.25% · 3.875%
HK$93,464
−HK$2,477/mo
Today · 4.125%
HK$95,941
baseline
▲ 0.50% · 4.625%
HK$100,998
+HK$5,057/mo
Deposit HK$11.96M · loan HK$17.94M · min. income ≈ HK$191,882/mo (50% DSR)
Upfront cash ≈ HK$13.23M (deposit + AVD stamp duty HK$1,270,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,456
−HK$5,986/mo
▼ 0.25% · 3.875%
HK$98,425
−HK$3,017/mo
Today · 4.125%
HK$101,442
baseline
▲ 0.50% · 4.625%
HK$107,614
+HK$6,172/mo
Deposit HK$8.97M · loan HK$20.93M · min. income ≈ HK$202,884/mo (50% DSR)
Upfront cash ≈ HK$10.24M (deposit + AVD stamp duty HK$1,270,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,194
−HK$5,737/mo
▼ 0.25% · 3.875%
HK$109,042
−HK$2,889/mo
Today · 4.125%
HK$111,931
baseline
▲ 0.50% · 4.625%
HK$117,831
+HK$5,900/mo
Deposit HK$8.97M · loan HK$20.93M · min. income ≈ HK$223,862/mo (50% DSR)
Upfront cash ≈ HK$10.24M (deposit + AVD stamp duty HK$1,270,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,729
−HK$7,696/mo
▼ 0.25% · 3.875%
HK$126,547
−HK$3,878/mo
Today · 4.125%
HK$130,425
baseline
▲ 0.50% · 4.625%
HK$138,361
+HK$7,936/mo
Deposit HK$2.99M · loan HK$26.91M · min. income ≈ HK$260,850/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$1,270,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,535
−HK$7,376/mo
▼ 0.25% · 3.875%
HK$140,197
−HK$3,714/mo
Today · 4.125%
HK$143,911
baseline
▲ 0.50% · 4.625%
HK$151,497
+HK$7,586/mo
Deposit HK$2.99M · loan HK$26.91M · min. income ≈ HK$287,822/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$1,270,810 · Scale 2, in force from 26 Feb 2026)