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$67,687
−HK$4,244/mo
▼ 0.25% · 3.875%
HK$69,792
−HK$2,139/mo
Today · 4.125%
HK$71,931
baseline
▲ 0.50% · 4.625%
HK$76,308
+HK$4,377/mo
Deposit HK$14.84M · loan HK$14.84M · min. income ≈ HK$143,862/mo (50% DSR)
Upfront cash ≈ HK$16.10M (deposit + AVD stamp duty HK$1,261,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,301
−HK$4,068/mo
▼ 0.25% · 3.875%
HK$77,320
−HK$2,049/mo
Today · 4.125%
HK$79,369
baseline
▲ 0.50% · 4.625%
HK$83,553
+HK$4,184/mo
Deposit HK$14.84M · loan HK$14.84M · min. income ≈ HK$158,738/mo (50% DSR)
Upfront cash ≈ HK$16.10M (deposit + AVD stamp duty HK$1,261,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,224
−HK$5,094/mo
▼ 0.25% · 3.875%
HK$83,751
−HK$2,567/mo
Today · 4.125%
HK$86,318
baseline
▲ 0.50% · 4.625%
HK$91,570
+HK$5,252/mo
Deposit HK$11.87M · loan HK$17.81M · min. income ≈ HK$172,636/mo (50% DSR)
Upfront cash ≈ HK$13.14M (deposit + AVD stamp duty HK$1,261,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,361
−HK$4,882/mo
▼ 0.25% · 3.875%
HK$92,784
−HK$2,459/mo
Today · 4.125%
HK$95,243
baseline
▲ 0.50% · 4.625%
HK$100,263
+HK$5,020/mo
Deposit HK$11.87M · loan HK$17.81M · min. income ≈ HK$190,486/mo (50% DSR)
Upfront cash ≈ HK$13.14M (deposit + AVD stamp duty HK$1,261,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,761
−HK$5,943/mo
▼ 0.25% · 3.875%
HK$97,709
−HK$2,995/mo
Today · 4.125%
HK$100,704
baseline
▲ 0.50% · 4.625%
HK$106,831
+HK$6,127/mo
Deposit HK$8.91M · loan HK$20.78M · min. income ≈ HK$201,408/mo (50% DSR)
Upfront cash ≈ HK$10.17M (deposit + AVD stamp duty HK$1,261,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,421
−HK$5,696/mo
▼ 0.25% · 3.875%
HK$108,248
−HK$2,869/mo
Today · 4.125%
HK$111,117
baseline
▲ 0.50% · 4.625%
HK$116,974
+HK$5,857/mo
Deposit HK$8.91M · loan HK$20.78M · min. income ≈ HK$222,234/mo (50% DSR)
Upfront cash ≈ HK$10.17M (deposit + AVD stamp duty HK$1,261,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,836
−HK$7,640/mo
▼ 0.25% · 3.875%
HK$125,626
−HK$3,850/mo
Today · 4.125%
HK$129,476
baseline
▲ 0.50% · 4.625%
HK$137,355
+HK$7,879/mo
Deposit HK$2.97M · loan HK$26.72M · min. income ≈ HK$258,952/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$1,261,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,541
−HK$7,323/mo
▼ 0.25% · 3.875%
HK$139,177
−HK$3,687/mo
Today · 4.125%
HK$142,864
baseline
▲ 0.50% · 4.625%
HK$150,395
+HK$7,531/mo
Deposit HK$2.97M · loan HK$26.72M · min. income ≈ HK$285,728/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$1,261,563 · Scale 2, in force from 26 Feb 2026)