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$68,218
−HK$4,278/mo
▼ 0.25% · 3.875%
HK$70,340
−HK$2,156/mo
Today · 4.125%
HK$72,496
baseline
▲ 0.50% · 4.625%
HK$76,907
+HK$4,411/mo
Deposit HK$14.96M · loan HK$14.96M · min. income ≈ HK$144,992/mo (50% DSR)
Upfront cash ≈ HK$16.23M (deposit + AVD stamp duty HK$1,271,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,892
−HK$4,100/mo
▼ 0.25% · 3.875%
HK$77,927
−HK$2,065/mo
Today · 4.125%
HK$79,992
baseline
▲ 0.50% · 4.625%
HK$84,209
+HK$4,217/mo
Deposit HK$14.96M · loan HK$14.96M · min. income ≈ HK$159,984/mo (50% DSR)
Upfront cash ≈ HK$16.23M (deposit + AVD stamp duty HK$1,271,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,862
−HK$5,133/mo
▼ 0.25% · 3.875%
HK$84,408
−HK$2,587/mo
Today · 4.125%
HK$86,995
baseline
▲ 0.50% · 4.625%
HK$92,289
+HK$5,294/mo
Deposit HK$11.97M · loan HK$17.95M · min. income ≈ HK$173,990/mo (50% DSR)
Upfront cash ≈ HK$13.24M (deposit + AVD stamp duty HK$1,271,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,070
−HK$4,921/mo
▼ 0.25% · 3.875%
HK$93,513
−HK$2,478/mo
Today · 4.125%
HK$95,991
baseline
▲ 0.50% · 4.625%
HK$101,050
+HK$5,059/mo
Deposit HK$11.97M · loan HK$17.95M · min. income ≈ HK$191,982/mo (50% DSR)
Upfront cash ≈ HK$13.24M (deposit + AVD stamp duty HK$1,271,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,505
−HK$5,989/mo
▼ 0.25% · 3.875%
HK$98,476
−HK$3,018/mo
Today · 4.125%
HK$101,494
baseline
▲ 0.50% · 4.625%
HK$107,670
+HK$6,176/mo
Deposit HK$8.98M · loan HK$20.94M · min. income ≈ HK$202,988/mo (50% DSR)
Upfront cash ≈ HK$10.25M (deposit + AVD stamp duty HK$1,271,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,249
−HK$5,740/mo
▼ 0.25% · 3.875%
HK$109,098
−HK$2,891/mo
Today · 4.125%
HK$111,989
baseline
▲ 0.50% · 4.625%
HK$117,892
+HK$5,903/mo
Deposit HK$8.98M · loan HK$20.94M · min. income ≈ HK$223,978/mo (50% DSR)
Upfront cash ≈ HK$10.25M (deposit + AVD stamp duty HK$1,271,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,793
−HK$7,700/mo
▼ 0.25% · 3.875%
HK$126,612
−HK$3,881/mo
Today · 4.125%
HK$130,493
baseline
▲ 0.50% · 4.625%
HK$138,433
+HK$7,940/mo
Deposit HK$2.99M · loan HK$26.93M · min. income ≈ HK$260,986/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$1,271,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,605
−HK$7,381/mo
▼ 0.25% · 3.875%
HK$140,269
−HK$3,717/mo
Today · 4.125%
HK$143,986
baseline
▲ 0.50% · 4.625%
HK$151,575
+HK$7,589/mo
Deposit HK$2.99M · loan HK$26.93M · min. income ≈ HK$287,972/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$1,271,466 · Scale 2, in force from 26 Feb 2026)