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$67,579
−HK$4,238/mo
▼ 0.25% · 3.875%
HK$69,681
−HK$2,136/mo
Today · 4.125%
HK$71,817
baseline
▲ 0.50% · 4.625%
HK$76,187
+HK$4,370/mo
Deposit HK$14.82M · loan HK$14.82M · min. income ≈ HK$143,634/mo (50% DSR)
Upfront cash ≈ HK$16.08M (deposit + AVD stamp duty HK$1,259,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,181
−HK$4,062/mo
▼ 0.25% · 3.875%
HK$77,198
−HK$2,045/mo
Today · 4.125%
HK$79,243
baseline
▲ 0.50% · 4.625%
HK$83,420
+HK$4,177/mo
Deposit HK$14.82M · loan HK$14.82M · min. income ≈ HK$158,486/mo (50% DSR)
Upfront cash ≈ HK$16.08M (deposit + AVD stamp duty HK$1,259,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,095
−HK$5,086/mo
▼ 0.25% · 3.875%
HK$83,618
−HK$2,563/mo
Today · 4.125%
HK$86,181
baseline
▲ 0.50% · 4.625%
HK$91,424
+HK$5,243/mo
Deposit HK$11.85M · loan HK$17.78M · min. income ≈ HK$172,362/mo (50% DSR)
Upfront cash ≈ HK$13.11M (deposit + AVD stamp duty HK$1,259,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,218
−HK$4,874/mo
▼ 0.25% · 3.875%
HK$92,637
−HK$2,455/mo
Today · 4.125%
HK$95,092
baseline
▲ 0.50% · 4.625%
HK$100,104
+HK$5,012/mo
Deposit HK$11.85M · loan HK$17.78M · min. income ≈ HK$190,184/mo (50% DSR)
Upfront cash ≈ HK$13.11M (deposit + AVD stamp duty HK$1,259,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,611
−HK$5,933/mo
▼ 0.25% · 3.875%
HK$97,554
−HK$2,990/mo
Today · 4.125%
HK$100,544
baseline
▲ 0.50% · 4.625%
HK$106,662
+HK$6,118/mo
Deposit HK$8.89M · loan HK$20.75M · min. income ≈ HK$201,088/mo (50% DSR)
Upfront cash ≈ HK$10.15M (deposit + AVD stamp duty HK$1,259,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,254
−HK$5,686/mo
▼ 0.25% · 3.875%
HK$108,077
−HK$2,863/mo
Today · 4.125%
HK$110,940
baseline
▲ 0.50% · 4.625%
HK$116,788
+HK$5,848/mo
Deposit HK$8.89M · loan HK$20.75M · min. income ≈ HK$221,880/mo (50% DSR)
Upfront cash ≈ HK$10.15M (deposit + AVD stamp duty HK$1,259,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,643
−HK$7,628/mo
▼ 0.25% · 3.875%
HK$125,427
−HK$3,844/mo
Today · 4.125%
HK$129,271
baseline
▲ 0.50% · 4.625%
HK$137,137
+HK$7,866/mo
Deposit HK$2.96M · loan HK$26.67M · min. income ≈ HK$258,542/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$1,259,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,326
−HK$7,312/mo
▼ 0.25% · 3.875%
HK$138,956
−HK$3,682/mo
Today · 4.125%
HK$142,638
baseline
▲ 0.50% · 4.625%
HK$150,156
+HK$7,518/mo
Deposit HK$2.96M · loan HK$26.67M · min. income ≈ HK$285,276/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$1,259,561 · Scale 2, in force from 26 Feb 2026)