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$67,146
−HK$4,211/mo
▼ 0.25% · 3.875%
HK$69,235
−HK$2,122/mo
Today · 4.125%
HK$71,357
baseline
▲ 0.50% · 4.625%
HK$75,699
+HK$4,342/mo
Deposit HK$14.72M · loan HK$14.72M · min. income ≈ HK$142,714/mo (50% DSR)
Upfront cash ≈ HK$15.97M (deposit + AVD stamp duty HK$1,251,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,700
−HK$4,035/mo
▼ 0.25% · 3.875%
HK$76,703
−HK$2,032/mo
Today · 4.125%
HK$78,735
baseline
▲ 0.50% · 4.625%
HK$82,886
+HK$4,151/mo
Deposit HK$14.72M · loan HK$14.72M · min. income ≈ HK$157,470/mo (50% DSR)
Upfront cash ≈ HK$15.97M (deposit + AVD stamp duty HK$1,251,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,576
−HK$5,052/mo
▼ 0.25% · 3.875%
HK$83,082
−HK$2,546/mo
Today · 4.125%
HK$85,628
baseline
▲ 0.50% · 4.625%
HK$90,839
+HK$5,211/mo
Deposit HK$11.78M · loan HK$17.67M · min. income ≈ HK$171,256/mo (50% DSR)
Upfront cash ≈ HK$13.03M (deposit + AVD stamp duty HK$1,251,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,639
−HK$4,843/mo
▼ 0.25% · 3.875%
HK$92,044
−HK$2,438/mo
Today · 4.125%
HK$94,482
baseline
▲ 0.50% · 4.625%
HK$99,463
+HK$4,981/mo
Deposit HK$11.78M · loan HK$17.67M · min. income ≈ HK$188,964/mo (50% DSR)
Upfront cash ≈ HK$13.03M (deposit + AVD stamp duty HK$1,251,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,005
−HK$5,895/mo
▼ 0.25% · 3.875%
HK$96,929
−HK$2,971/mo
Today · 4.125%
HK$99,900
baseline
▲ 0.50% · 4.625%
HK$105,978
+HK$6,078/mo
Deposit HK$8.83M · loan HK$20.61M · min. income ≈ HK$199,800/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$1,251,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,579
−HK$5,651/mo
▼ 0.25% · 3.875%
HK$107,384
−HK$2,846/mo
Today · 4.125%
HK$110,230
baseline
▲ 0.50% · 4.625%
HK$116,040
+HK$5,810/mo
Deposit HK$8.83M · loan HK$20.61M · min. income ≈ HK$220,460/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$1,251,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,863
−HK$7,580/mo
▼ 0.25% · 3.875%
HK$124,623
−HK$3,820/mo
Today · 4.125%
HK$128,443
baseline
▲ 0.50% · 4.625%
HK$136,258
+HK$7,815/mo
Deposit HK$2.94M · loan HK$26.50M · min. income ≈ HK$256,886/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$1,251,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,459
−HK$7,265/mo
▼ 0.25% · 3.875%
HK$138,065
−HK$3,659/mo
Today · 4.125%
HK$141,724
baseline
▲ 0.50% · 4.625%
HK$149,194
+HK$7,470/mo
Deposit HK$2.94M · loan HK$26.50M · min. income ≈ HK$283,448/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$1,251,490 · Scale 2, in force from 26 Feb 2026)