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$68,263
−HK$4,281/mo
▼ 0.25% · 3.875%
HK$70,387
−HK$2,157/mo
Today · 4.125%
HK$72,544
baseline
▲ 0.50% · 4.625%
HK$76,958
+HK$4,414/mo
Deposit HK$14.97M · loan HK$14.97M · min. income ≈ HK$145,088/mo (50% DSR)
Upfront cash ≈ HK$16.24M (deposit + AVD stamp duty HK$1,272,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,942
−HK$4,103/mo
▼ 0.25% · 3.875%
HK$77,979
−HK$2,066/mo
Today · 4.125%
HK$80,045
baseline
▲ 0.50% · 4.625%
HK$84,264
+HK$4,219/mo
Deposit HK$14.97M · loan HK$14.97M · min. income ≈ HK$160,090/mo (50% DSR)
Upfront cash ≈ HK$16.24M (deposit + AVD stamp duty HK$1,272,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,916
−HK$5,137/mo
▼ 0.25% · 3.875%
HK$84,464
−HK$2,589/mo
Today · 4.125%
HK$87,053
baseline
▲ 0.50% · 4.625%
HK$92,350
+HK$5,297/mo
Deposit HK$11.97M · loan HK$17.96M · min. income ≈ HK$174,106/mo (50% DSR)
Upfront cash ≈ HK$13.25M (deposit + AVD stamp duty HK$1,272,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,131
−HK$4,923/mo
▼ 0.25% · 3.875%
HK$93,575
−HK$2,479/mo
Today · 4.125%
HK$96,054
baseline
▲ 0.50% · 4.625%
HK$101,117
+HK$5,063/mo
Deposit HK$11.97M · loan HK$17.96M · min. income ≈ HK$192,108/mo (50% DSR)
Upfront cash ≈ HK$13.25M (deposit + AVD stamp duty HK$1,272,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,569
−HK$5,993/mo
▼ 0.25% · 3.875%
HK$98,541
−HK$3,021/mo
Today · 4.125%
HK$101,562
baseline
▲ 0.50% · 4.625%
HK$107,741
+HK$6,179/mo
Deposit HK$8.98M · loan HK$20.96M · min. income ≈ HK$203,124/mo (50% DSR)
Upfront cash ≈ HK$10.25M (deposit + AVD stamp duty HK$1,272,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,319
−HK$5,744/mo
▼ 0.25% · 3.875%
HK$109,170
−HK$2,893/mo
Today · 4.125%
HK$112,063
baseline
▲ 0.50% · 4.625%
HK$117,970
+HK$5,907/mo
Deposit HK$8.98M · loan HK$20.96M · min. income ≈ HK$224,126/mo (50% DSR)
Upfront cash ≈ HK$10.25M (deposit + AVD stamp duty HK$1,272,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,874
−HK$7,705/mo
▼ 0.25% · 3.875%
HK$126,696
−HK$3,883/mo
Today · 4.125%
HK$130,579
baseline
▲ 0.50% · 4.625%
HK$138,525
+HK$7,946/mo
Deposit HK$2.99M · loan HK$26.94M · min. income ≈ HK$261,158/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$1,272,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,696
−HK$7,385/mo
▼ 0.25% · 3.875%
HK$140,362
−HK$3,719/mo
Today · 4.125%
HK$144,081
baseline
▲ 0.50% · 4.625%
HK$151,676
+HK$7,595/mo
Deposit HK$2.99M · loan HK$26.94M · min. income ≈ HK$288,162/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$1,272,308 · Scale 2, in force from 26 Feb 2026)