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$67,920
−HK$4,259/mo
▼ 0.25% · 3.875%
HK$70,033
−HK$2,146/mo
Today · 4.125%
HK$72,179
baseline
▲ 0.50% · 4.625%
HK$76,571
+HK$4,392/mo
Deposit HK$14.89M · loan HK$14.89M · min. income ≈ HK$144,358/mo (50% DSR)
Upfront cash ≈ HK$16.16M (deposit + AVD stamp duty HK$1,265,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,561
−HK$4,082/mo
▼ 0.25% · 3.875%
HK$77,587
−HK$2,056/mo
Today · 4.125%
HK$79,643
baseline
▲ 0.50% · 4.625%
HK$83,841
+HK$4,198/mo
Deposit HK$14.89M · loan HK$14.89M · min. income ≈ HK$159,286/mo (50% DSR)
Upfront cash ≈ HK$16.16M (deposit + AVD stamp duty HK$1,265,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,504
−HK$5,111/mo
▼ 0.25% · 3.875%
HK$84,040
−HK$2,575/mo
Today · 4.125%
HK$86,615
baseline
▲ 0.50% · 4.625%
HK$91,886
+HK$5,271/mo
Deposit HK$11.91M · loan HK$17.87M · min. income ≈ HK$173,230/mo (50% DSR)
Upfront cash ≈ HK$13.18M (deposit + AVD stamp duty HK$1,265,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,673
−HK$4,899/mo
▼ 0.25% · 3.875%
HK$93,105
−HK$2,467/mo
Today · 4.125%
HK$95,572
baseline
▲ 0.50% · 4.625%
HK$100,609
+HK$5,037/mo
Deposit HK$11.91M · loan HK$17.87M · min. income ≈ HK$191,144/mo (50% DSR)
Upfront cash ≈ HK$13.18M (deposit + AVD stamp duty HK$1,265,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,088
−HK$5,963/mo
▼ 0.25% · 3.875%
HK$98,046
−HK$3,005/mo
Today · 4.125%
HK$101,051
baseline
▲ 0.50% · 4.625%
HK$107,200
+HK$6,149/mo
Deposit HK$8.94M · loan HK$20.85M · min. income ≈ HK$202,102/mo (50% DSR)
Upfront cash ≈ HK$10.20M (deposit + AVD stamp duty HK$1,265,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,785
−HK$5,715/mo
▼ 0.25% · 3.875%
HK$108,622
−HK$2,878/mo
Today · 4.125%
HK$111,500
baseline
▲ 0.50% · 4.625%
HK$117,377
+HK$5,877/mo
Deposit HK$8.94M · loan HK$20.85M · min. income ≈ HK$223,000/mo (50% DSR)
Upfront cash ≈ HK$10.20M (deposit + AVD stamp duty HK$1,265,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,256
−HK$7,667/mo
▼ 0.25% · 3.875%
HK$126,059
−HK$3,864/mo
Today · 4.125%
HK$129,923
baseline
▲ 0.50% · 4.625%
HK$137,829
+HK$7,906/mo
Deposit HK$2.98M · loan HK$26.81M · min. income ≈ HK$259,846/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$1,265,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,009
−HK$7,348/mo
▼ 0.25% · 3.875%
HK$139,657
−HK$3,700/mo
Today · 4.125%
HK$143,357
baseline
▲ 0.50% · 4.625%
HK$150,914
+HK$7,557/mo
Deposit HK$2.98M · loan HK$26.81M · min. income ≈ HK$286,714/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$1,265,916 · Scale 2, in force from 26 Feb 2026)