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$67,466
−HK$4,231/mo
▼ 0.25% · 3.875%
HK$69,565
−HK$2,132/mo
Today · 4.125%
HK$71,697
baseline
▲ 0.50% · 4.625%
HK$76,059
+HK$4,362/mo
Deposit HK$14.79M · loan HK$14.79M · min. income ≈ HK$143,394/mo (50% DSR)
Upfront cash ≈ HK$16.05M (deposit + AVD stamp duty HK$1,257,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,055
−HK$4,055/mo
▼ 0.25% · 3.875%
HK$77,068
−HK$2,042/mo
Today · 4.125%
HK$79,110
baseline
▲ 0.50% · 4.625%
HK$83,280
+HK$4,170/mo
Deposit HK$14.79M · loan HK$14.79M · min. income ≈ HK$158,220/mo (50% DSR)
Upfront cash ≈ HK$16.05M (deposit + AVD stamp duty HK$1,257,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,959
−HK$5,077/mo
▼ 0.25% · 3.875%
HK$83,478
−HK$2,558/mo
Today · 4.125%
HK$86,036
baseline
▲ 0.50% · 4.625%
HK$91,271
+HK$5,235/mo
Deposit HK$11.83M · loan HK$17.75M · min. income ≈ HK$172,072/mo (50% DSR)
Upfront cash ≈ HK$13.09M (deposit + AVD stamp duty HK$1,257,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,066
−HK$4,866/mo
▼ 0.25% · 3.875%
HK$92,482
−HK$2,450/mo
Today · 4.125%
HK$94,932
baseline
▲ 0.50% · 4.625%
HK$99,936
+HK$5,004/mo
Deposit HK$11.83M · loan HK$17.75M · min. income ≈ HK$189,864/mo (50% DSR)
Upfront cash ≈ HK$13.09M (deposit + AVD stamp duty HK$1,257,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,452
−HK$5,923/mo
▼ 0.25% · 3.875%
HK$97,391
−HK$2,984/mo
Today · 4.125%
HK$100,375
baseline
▲ 0.50% · 4.625%
HK$106,483
+HK$6,108/mo
Deposit HK$8.88M · loan HK$20.71M · min. income ≈ HK$200,750/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$1,257,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,077
−HK$5,677/mo
▼ 0.25% · 3.875%
HK$107,896
−HK$2,858/mo
Today · 4.125%
HK$110,754
baseline
▲ 0.50% · 4.625%
HK$116,592
+HK$5,838/mo
Deposit HK$8.88M · loan HK$20.71M · min. income ≈ HK$221,508/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$1,257,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,439
−HK$7,615/mo
▼ 0.25% · 3.875%
HK$125,216
−HK$3,838/mo
Today · 4.125%
HK$129,054
baseline
▲ 0.50% · 4.625%
HK$136,907
+HK$7,853/mo
Deposit HK$2.96M · loan HK$26.63M · min. income ≈ HK$258,108/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$1,257,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,100
−HK$7,299/mo
▼ 0.25% · 3.875%
HK$138,723
−HK$3,676/mo
Today · 4.125%
HK$142,399
baseline
▲ 0.50% · 4.625%
HK$149,905
+HK$7,506/mo
Deposit HK$2.96M · loan HK$26.63M · min. income ≈ HK$284,798/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$1,257,450 · Scale 2, in force from 26 Feb 2026)