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$67,089
−HK$4,207/mo
▼ 0.25% · 3.875%
HK$69,176
−HK$2,120/mo
Today · 4.125%
HK$71,296
baseline
▲ 0.50% · 4.625%
HK$75,634
+HK$4,338/mo
Deposit HK$14.71M · loan HK$14.71M · min. income ≈ HK$142,592/mo (50% DSR)
Upfront cash ≈ HK$15.96M (deposit + AVD stamp duty HK$1,250,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,636
−HK$4,032/mo
▼ 0.25% · 3.875%
HK$76,637
−HK$2,031/mo
Today · 4.125%
HK$78,668
baseline
▲ 0.50% · 4.625%
HK$82,815
+HK$4,147/mo
Deposit HK$14.71M · loan HK$14.71M · min. income ≈ HK$157,336/mo (50% DSR)
Upfront cash ≈ HK$15.96M (deposit + AVD stamp duty HK$1,250,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,506
−HK$5,049/mo
▼ 0.25% · 3.875%
HK$83,011
−HK$2,544/mo
Today · 4.125%
HK$85,555
baseline
▲ 0.50% · 4.625%
HK$90,761
+HK$5,206/mo
Deposit HK$11.77M · loan HK$17.65M · min. income ≈ HK$171,110/mo (50% DSR)
Upfront cash ≈ HK$13.02M (deposit + AVD stamp duty HK$1,250,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,563
−HK$4,838/mo
▼ 0.25% · 3.875%
HK$91,965
−HK$2,436/mo
Today · 4.125%
HK$94,401
baseline
▲ 0.50% · 4.625%
HK$99,377
+HK$4,976/mo
Deposit HK$11.77M · loan HK$17.65M · min. income ≈ HK$188,802/mo (50% DSR)
Upfront cash ≈ HK$13.02M (deposit + AVD stamp duty HK$1,250,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,924
−HK$5,890/mo
▼ 0.25% · 3.875%
HK$96,846
−HK$2,968/mo
Today · 4.125%
HK$99,814
baseline
▲ 0.50% · 4.625%
HK$105,888
+HK$6,074/mo
Deposit HK$8.83M · loan HK$20.60M · min. income ≈ HK$199,628/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$1,250,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,490
−HK$5,645/mo
▼ 0.25% · 3.875%
HK$107,292
−HK$2,843/mo
Today · 4.125%
HK$110,135
baseline
▲ 0.50% · 4.625%
HK$115,940
+HK$5,805/mo
Deposit HK$8.83M · loan HK$20.60M · min. income ≈ HK$220,270/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$1,250,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,760
−HK$7,572/mo
▼ 0.25% · 3.875%
HK$124,516
−HK$3,816/mo
Today · 4.125%
HK$128,332
baseline
▲ 0.50% · 4.625%
HK$136,141
+HK$7,809/mo
Deposit HK$2.94M · loan HK$26.48M · min. income ≈ HK$256,664/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$1,250,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,344
−HK$7,258/mo
▼ 0.25% · 3.875%
HK$137,947
−HK$3,655/mo
Today · 4.125%
HK$141,602
baseline
▲ 0.50% · 4.625%
HK$149,066
+HK$7,464/mo
Deposit HK$2.94M · loan HK$26.48M · min. income ≈ HK$283,204/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$1,250,417 · Scale 2, in force from 26 Feb 2026)