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$67,298
−HK$4,220/mo
▼ 0.25% · 3.875%
HK$69,391
−HK$2,127/mo
Today · 4.125%
HK$71,518
baseline
▲ 0.50% · 4.625%
HK$75,870
+HK$4,352/mo
Deposit HK$14.76M · loan HK$14.76M · min. income ≈ HK$143,036/mo (50% DSR)
Upfront cash ≈ HK$16.01M (deposit + AVD stamp duty HK$1,254,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,868
−HK$4,045/mo
▼ 0.25% · 3.875%
HK$76,876
−HK$2,037/mo
Today · 4.125%
HK$78,913
baseline
▲ 0.50% · 4.625%
HK$83,073
+HK$4,160/mo
Deposit HK$14.76M · loan HK$14.76M · min. income ≈ HK$157,826/mo (50% DSR)
Upfront cash ≈ HK$16.01M (deposit + AVD stamp duty HK$1,254,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,757
−HK$5,065/mo
▼ 0.25% · 3.875%
HK$83,269
−HK$2,553/mo
Today · 4.125%
HK$85,822
baseline
▲ 0.50% · 4.625%
HK$91,044
+HK$5,222/mo
Deposit HK$11.81M · loan HK$17.71M · min. income ≈ HK$171,644/mo (50% DSR)
Upfront cash ≈ HK$13.06M (deposit + AVD stamp duty HK$1,254,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,842
−HK$4,854/mo
▼ 0.25% · 3.875%
HK$92,251
−HK$2,445/mo
Today · 4.125%
HK$94,696
baseline
▲ 0.50% · 4.625%
HK$99,687
+HK$4,991/mo
Deposit HK$11.81M · loan HK$17.71M · min. income ≈ HK$189,392/mo (50% DSR)
Upfront cash ≈ HK$13.06M (deposit + AVD stamp duty HK$1,254,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,217
−HK$5,908/mo
▼ 0.25% · 3.875%
HK$97,148
−HK$2,977/mo
Today · 4.125%
HK$100,125
baseline
▲ 0.50% · 4.625%
HK$106,218
+HK$6,093/mo
Deposit HK$8.85M · loan HK$20.66M · min. income ≈ HK$200,250/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$1,254,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,815
−HK$5,663/mo
▼ 0.25% · 3.875%
HK$107,627
−HK$2,851/mo
Today · 4.125%
HK$110,478
baseline
▲ 0.50% · 4.625%
HK$116,302
+HK$5,824/mo
Deposit HK$8.85M · loan HK$20.66M · min. income ≈ HK$220,956/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$1,254,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,136
−HK$7,596/mo
▼ 0.25% · 3.875%
HK$124,904
−HK$3,828/mo
Today · 4.125%
HK$128,732
baseline
▲ 0.50% · 4.625%
HK$136,565
+HK$7,833/mo
Deposit HK$2.95M · loan HK$26.56M · min. income ≈ HK$257,464/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$1,254,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,763
−HK$7,281/mo
▼ 0.25% · 3.875%
HK$138,377
−HK$3,667/mo
Today · 4.125%
HK$142,044
baseline
▲ 0.50% · 4.625%
HK$149,531
+HK$7,487/mo
Deposit HK$2.95M · loan HK$26.56M · min. income ≈ HK$284,088/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$1,254,315 · Scale 2, in force from 26 Feb 2026)