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$66,934
−HK$4,197/mo
▼ 0.25% · 3.875%
HK$69,016
−HK$2,115/mo
Today · 4.125%
HK$71,131
baseline
▲ 0.50% · 4.625%
HK$75,459
+HK$4,328/mo
Deposit HK$14.68M · loan HK$14.68M · min. income ≈ HK$142,262/mo (50% DSR)
Upfront cash ≈ HK$15.92M (deposit + AVD stamp duty HK$1,247,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,463
−HK$4,023/mo
▼ 0.25% · 3.875%
HK$76,460
−HK$2,026/mo
Today · 4.125%
HK$78,486
baseline
▲ 0.50% · 4.625%
HK$82,623
+HK$4,137/mo
Deposit HK$14.68M · loan HK$14.68M · min. income ≈ HK$156,972/mo (50% DSR)
Upfront cash ≈ HK$15.92M (deposit + AVD stamp duty HK$1,247,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,321
−HK$5,036/mo
▼ 0.25% · 3.875%
HK$82,819
−HK$2,538/mo
Today · 4.125%
HK$85,357
baseline
▲ 0.50% · 4.625%
HK$90,551
+HK$5,194/mo
Deposit HK$11.74M · loan HK$17.61M · min. income ≈ HK$170,714/mo (50% DSR)
Upfront cash ≈ HK$12.99M (deposit + AVD stamp duty HK$1,247,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,356
−HK$4,828/mo
▼ 0.25% · 3.875%
HK$91,752
−HK$2,432/mo
Today · 4.125%
HK$94,184
baseline
▲ 0.50% · 4.625%
HK$99,148
+HK$4,964/mo
Deposit HK$11.74M · loan HK$17.61M · min. income ≈ HK$188,368/mo (50% DSR)
Upfront cash ≈ HK$12.99M (deposit + AVD stamp duty HK$1,247,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,707
−HK$5,877/mo
▼ 0.25% · 3.875%
HK$96,622
−HK$2,962/mo
Today · 4.125%
HK$99,584
baseline
▲ 0.50% · 4.625%
HK$105,643
+HK$6,059/mo
Deposit HK$8.81M · loan HK$20.55M · min. income ≈ HK$199,168/mo (50% DSR)
Upfront cash ≈ HK$10.05M (deposit + AVD stamp duty HK$1,247,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,249
−HK$5,632/mo
▼ 0.25% · 3.875%
HK$107,044
−HK$2,837/mo
Today · 4.125%
HK$109,881
baseline
▲ 0.50% · 4.625%
HK$115,673
+HK$5,792/mo
Deposit HK$8.81M · loan HK$20.55M · min. income ≈ HK$219,762/mo (50% DSR)
Upfront cash ≈ HK$10.05M (deposit + AVD stamp duty HK$1,247,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,481
−HK$7,555/mo
▼ 0.25% · 3.875%
HK$124,229
−HK$3,807/mo
Today · 4.125%
HK$128,036
baseline
▲ 0.50% · 4.625%
HK$135,827
+HK$7,791/mo
Deposit HK$2.94M · loan HK$26.42M · min. income ≈ HK$256,072/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$1,247,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,034
−HK$7,241/mo
▼ 0.25% · 3.875%
HK$137,629
−HK$3,646/mo
Today · 4.125%
HK$141,275
baseline
▲ 0.50% · 4.625%
HK$148,722
+HK$7,447/mo
Deposit HK$2.94M · loan HK$26.42M · min. income ≈ HK$282,550/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$1,247,531 · Scale 2, in force from 26 Feb 2026)