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$68,168
−HK$4,275/mo
▼ 0.25% · 3.875%
HK$70,289
−HK$2,154/mo
Today · 4.125%
HK$72,443
baseline
▲ 0.50% · 4.625%
HK$76,851
+HK$4,408/mo
Deposit HK$14.95M · loan HK$14.95M · min. income ≈ HK$144,886/mo (50% DSR)
Upfront cash ≈ HK$16.22M (deposit + AVD stamp duty HK$1,270,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,837
−HK$4,097/mo
▼ 0.25% · 3.875%
HK$77,871
−HK$2,063/mo
Today · 4.125%
HK$79,934
baseline
▲ 0.50% · 4.625%
HK$84,147
+HK$4,213/mo
Deposit HK$14.95M · loan HK$14.95M · min. income ≈ HK$159,868/mo (50% DSR)
Upfront cash ≈ HK$16.22M (deposit + AVD stamp duty HK$1,270,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,802
−HK$5,130/mo
▼ 0.25% · 3.875%
HK$84,347
−HK$2,585/mo
Today · 4.125%
HK$86,932
baseline
▲ 0.50% · 4.625%
HK$92,221
+HK$5,289/mo
Deposit HK$11.96M · loan HK$17.94M · min. income ≈ HK$173,864/mo (50% DSR)
Upfront cash ≈ HK$13.23M (deposit + AVD stamp duty HK$1,270,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,004
−HK$4,917/mo
▼ 0.25% · 3.875%
HK$93,445
−HK$2,476/mo
Today · 4.125%
HK$95,921
baseline
▲ 0.50% · 4.625%
HK$100,977
+HK$5,056/mo
Deposit HK$11.96M · loan HK$17.94M · min. income ≈ HK$191,842/mo (50% DSR)
Upfront cash ≈ HK$13.23M (deposit + AVD stamp duty HK$1,270,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,436
−HK$5,984/mo
▼ 0.25% · 3.875%
HK$98,404
−HK$3,016/mo
Today · 4.125%
HK$101,420
baseline
▲ 0.50% · 4.625%
HK$107,592
+HK$6,172/mo
Deposit HK$8.97M · loan HK$20.93M · min. income ≈ HK$202,840/mo (50% DSR)
Upfront cash ≈ HK$10.24M (deposit + AVD stamp duty HK$1,270,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,171
−HK$5,736/mo
▼ 0.25% · 3.875%
HK$109,019
−HK$2,888/mo
Today · 4.125%
HK$111,907
baseline
▲ 0.50% · 4.625%
HK$117,806
+HK$5,899/mo
Deposit HK$8.97M · loan HK$20.93M · min. income ≈ HK$223,814/mo (50% DSR)
Upfront cash ≈ HK$10.24M (deposit + AVD stamp duty HK$1,270,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,703
−HK$7,695/mo
▼ 0.25% · 3.875%
HK$126,520
−HK$3,878/mo
Today · 4.125%
HK$130,398
baseline
▲ 0.50% · 4.625%
HK$138,332
+HK$7,934/mo
Deposit HK$2.99M · loan HK$26.91M · min. income ≈ HK$260,796/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$1,270,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,506
−HK$7,375/mo
▼ 0.25% · 3.875%
HK$140,167
−HK$3,714/mo
Today · 4.125%
HK$143,881
baseline
▲ 0.50% · 4.625%
HK$151,465
+HK$7,584/mo
Deposit HK$2.99M · loan HK$26.91M · min. income ≈ HK$287,762/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$1,270,541 · Scale 2, in force from 26 Feb 2026)