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$66,855
−HK$4,192/mo
▼ 0.25% · 3.875%
HK$68,934
−HK$2,113/mo
Today · 4.125%
HK$71,047
baseline
▲ 0.50% · 4.625%
HK$75,370
+HK$4,323/mo
Deposit HK$14.66M · loan HK$14.66M · min. income ≈ HK$142,094/mo (50% DSR)
Upfront cash ≈ HK$15.91M (deposit + AVD stamp duty HK$1,246,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,375
−HK$4,019/mo
▼ 0.25% · 3.875%
HK$76,370
−HK$2,024/mo
Today · 4.125%
HK$78,394
baseline
▲ 0.50% · 4.625%
HK$82,526
+HK$4,132/mo
Deposit HK$14.66M · loan HK$14.66M · min. income ≈ HK$156,788/mo (50% DSR)
Upfront cash ≈ HK$15.91M (deposit + AVD stamp duty HK$1,246,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,226
−HK$5,031/mo
▼ 0.25% · 3.875%
HK$82,721
−HK$2,536/mo
Today · 4.125%
HK$85,257
baseline
▲ 0.50% · 4.625%
HK$90,444
+HK$5,187/mo
Deposit HK$11.73M · loan HK$17.59M · min. income ≈ HK$170,514/mo (50% DSR)
Upfront cash ≈ HK$12.97M (deposit + AVD stamp duty HK$1,246,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,250
−HK$4,822/mo
▼ 0.25% · 3.875%
HK$91,644
−HK$2,428/mo
Today · 4.125%
HK$94,072
baseline
▲ 0.50% · 4.625%
HK$99,031
+HK$4,959/mo
Deposit HK$11.73M · loan HK$17.59M · min. income ≈ HK$188,144/mo (50% DSR)
Upfront cash ≈ HK$12.97M (deposit + AVD stamp duty HK$1,246,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,597
−HK$5,869/mo
▼ 0.25% · 3.875%
HK$96,508
−HK$2,958/mo
Today · 4.125%
HK$99,466
baseline
▲ 0.50% · 4.625%
HK$105,518
+HK$6,052/mo
Deposit HK$8.80M · loan HK$20.52M · min. income ≈ HK$198,932/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$1,246,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,125
−HK$5,626/mo
▼ 0.25% · 3.875%
HK$106,918
−HK$2,833/mo
Today · 4.125%
HK$109,751
baseline
▲ 0.50% · 4.625%
HK$115,536
+HK$5,785/mo
Deposit HK$8.80M · loan HK$20.52M · min. income ≈ HK$219,502/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$1,246,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,339
−HK$7,546/mo
▼ 0.25% · 3.875%
HK$124,082
−HK$3,803/mo
Today · 4.125%
HK$127,885
baseline
▲ 0.50% · 4.625%
HK$135,666
+HK$7,781/mo
Deposit HK$2.93M · loan HK$26.39M · min. income ≈ HK$255,770/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$1,246,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,876
−HK$7,232/mo
▼ 0.25% · 3.875%
HK$137,466
−HK$3,642/mo
Today · 4.125%
HK$141,108
baseline
▲ 0.50% · 4.625%
HK$148,546
+HK$7,438/mo
Deposit HK$2.93M · loan HK$26.39M · min. income ≈ HK$282,216/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$1,246,057 · Scale 2, in force from 26 Feb 2026)