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$66,854
−HK$4,192/mo
▼ 0.25% · 3.875%
HK$68,933
−HK$2,113/mo
Today · 4.125%
HK$71,046
baseline
▲ 0.50% · 4.625%
HK$75,369
+HK$4,323/mo
Deposit HK$14.66M · loan HK$14.66M · min. income ≈ HK$142,092/mo (50% DSR)
Upfront cash ≈ HK$15.91M (deposit + AVD stamp duty HK$1,246,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,374
−HK$4,018/mo
▼ 0.25% · 3.875%
HK$76,369
−HK$2,023/mo
Today · 4.125%
HK$78,392
baseline
▲ 0.50% · 4.625%
HK$82,524
+HK$4,132/mo
Deposit HK$14.66M · loan HK$14.66M · min. income ≈ HK$156,784/mo (50% DSR)
Upfront cash ≈ HK$15.91M (deposit + AVD stamp duty HK$1,246,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,224
−HK$5,031/mo
▼ 0.25% · 3.875%
HK$82,720
−HK$2,535/mo
Today · 4.125%
HK$85,255
baseline
▲ 0.50% · 4.625%
HK$90,443
+HK$5,188/mo
Deposit HK$11.73M · loan HK$17.59M · min. income ≈ HK$170,510/mo (50% DSR)
Upfront cash ≈ HK$12.97M (deposit + AVD stamp duty HK$1,246,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,249
−HK$4,821/mo
▼ 0.25% · 3.875%
HK$91,642
−HK$2,428/mo
Today · 4.125%
HK$94,070
baseline
▲ 0.50% · 4.625%
HK$99,029
+HK$4,959/mo
Deposit HK$11.73M · loan HK$17.59M · min. income ≈ HK$188,140/mo (50% DSR)
Upfront cash ≈ HK$12.97M (deposit + AVD stamp duty HK$1,246,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,595
−HK$5,869/mo
▼ 0.25% · 3.875%
HK$96,506
−HK$2,958/mo
Today · 4.125%
HK$99,464
baseline
▲ 0.50% · 4.625%
HK$105,516
+HK$6,052/mo
Deposit HK$8.80M · loan HK$20.52M · min. income ≈ HK$198,928/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$1,246,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,123
−HK$5,626/mo
▼ 0.25% · 3.875%
HK$106,916
−HK$2,833/mo
Today · 4.125%
HK$109,749
baseline
▲ 0.50% · 4.625%
HK$115,534
+HK$5,785/mo
Deposit HK$8.80M · loan HK$20.52M · min. income ≈ HK$219,498/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$1,246,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,336
−HK$7,546/mo
▼ 0.25% · 3.875%
HK$124,079
−HK$3,803/mo
Today · 4.125%
HK$127,882
baseline
▲ 0.50% · 4.625%
HK$135,664
+HK$7,782/mo
Deposit HK$2.93M · loan HK$26.39M · min. income ≈ HK$255,764/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$1,246,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,873
−HK$7,233/mo
▼ 0.25% · 3.875%
HK$137,463
−HK$3,643/mo
Today · 4.125%
HK$141,106
baseline
▲ 0.50% · 4.625%
HK$148,544
+HK$7,438/mo
Deposit HK$2.93M · loan HK$26.39M · min. income ≈ HK$282,212/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$1,246,033 · Scale 2, in force from 26 Feb 2026)