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$66,963
−HK$4,199/mo
▼ 0.25% · 3.875%
HK$69,046
−HK$2,116/mo
Today · 4.125%
HK$71,162
baseline
▲ 0.50% · 4.625%
HK$75,492
+HK$4,330/mo
Deposit HK$14.68M · loan HK$14.68M · min. income ≈ HK$142,324/mo (50% DSR)
Upfront cash ≈ HK$15.93M (deposit + AVD stamp duty HK$1,248,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,496
−HK$4,024/mo
▼ 0.25% · 3.875%
HK$76,494
−HK$2,026/mo
Today · 4.125%
HK$78,520
baseline
▲ 0.50% · 4.625%
HK$82,659
+HK$4,139/mo
Deposit HK$14.68M · loan HK$14.68M · min. income ≈ HK$157,040/mo (50% DSR)
Upfront cash ≈ HK$15.93M (deposit + AVD stamp duty HK$1,248,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,356
−HK$5,039/mo
▼ 0.25% · 3.875%
HK$82,855
−HK$2,540/mo
Today · 4.125%
HK$85,395
baseline
▲ 0.50% · 4.625%
HK$90,591
+HK$5,196/mo
Deposit HK$11.75M · loan HK$17.62M · min. income ≈ HK$170,790/mo (50% DSR)
Upfront cash ≈ HK$12.99M (deposit + AVD stamp duty HK$1,248,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,395
−HK$4,829/mo
▼ 0.25% · 3.875%
HK$91,792
−HK$2,432/mo
Today · 4.125%
HK$94,224
baseline
▲ 0.50% · 4.625%
HK$99,191
+HK$4,967/mo
Deposit HK$11.75M · loan HK$17.62M · min. income ≈ HK$188,448/mo (50% DSR)
Upfront cash ≈ HK$12.99M (deposit + AVD stamp duty HK$1,248,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,748
−HK$5,879/mo
▼ 0.25% · 3.875%
HK$96,664
−HK$2,963/mo
Today · 4.125%
HK$99,627
baseline
▲ 0.50% · 4.625%
HK$105,689
+HK$6,062/mo
Deposit HK$8.81M · loan HK$20.56M · min. income ≈ HK$199,254/mo (50% DSR)
Upfront cash ≈ HK$10.06M (deposit + AVD stamp duty HK$1,248,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,294
−HK$5,634/mo
▼ 0.25% · 3.875%
HK$107,091
−HK$2,837/mo
Today · 4.125%
HK$109,928
baseline
▲ 0.50% · 4.625%
HK$115,723
+HK$5,795/mo
Deposit HK$8.81M · loan HK$20.56M · min. income ≈ HK$219,856/mo (50% DSR)
Upfront cash ≈ HK$10.06M (deposit + AVD stamp duty HK$1,248,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,533
−HK$7,559/mo
▼ 0.25% · 3.875%
HK$124,283
−HK$3,809/mo
Today · 4.125%
HK$128,092
baseline
▲ 0.50% · 4.625%
HK$135,886
+HK$7,794/mo
Deposit HK$2.94M · loan HK$26.43M · min. income ≈ HK$256,184/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$1,248,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,092
−HK$7,245/mo
▼ 0.25% · 3.875%
HK$137,688
−HK$3,649/mo
Today · 4.125%
HK$141,337
baseline
▲ 0.50% · 4.625%
HK$148,787
+HK$7,450/mo
Deposit HK$2.94M · loan HK$26.43M · min. income ≈ HK$282,674/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$1,248,072 · Scale 2, in force from 26 Feb 2026)