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$67,807
−HK$4,252/mo
▼ 0.25% · 3.875%
HK$69,916
−HK$2,143/mo
Today · 4.125%
HK$72,059
baseline
▲ 0.50% · 4.625%
HK$76,444
+HK$4,385/mo
Deposit HK$14.87M · loan HK$14.87M · min. income ≈ HK$144,118/mo (50% DSR)
Upfront cash ≈ HK$16.13M (deposit + AVD stamp duty HK$1,263,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,435
−HK$4,075/mo
▼ 0.25% · 3.875%
HK$77,458
−HK$2,052/mo
Today · 4.125%
HK$79,510
baseline
▲ 0.50% · 4.625%
HK$83,702
+HK$4,192/mo
Deposit HK$14.87M · loan HK$14.87M · min. income ≈ HK$159,020/mo (50% DSR)
Upfront cash ≈ HK$16.13M (deposit + AVD stamp duty HK$1,263,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,369
−HK$5,102/mo
▼ 0.25% · 3.875%
HK$83,900
−HK$2,571/mo
Today · 4.125%
HK$86,471
baseline
▲ 0.50% · 4.625%
HK$91,733
+HK$5,262/mo
Deposit HK$11.89M · loan HK$17.84M · min. income ≈ HK$172,942/mo (50% DSR)
Upfront cash ≈ HK$13.16M (deposit + AVD stamp duty HK$1,263,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,522
−HK$4,891/mo
▼ 0.25% · 3.875%
HK$92,950
−HK$2,463/mo
Today · 4.125%
HK$95,413
baseline
▲ 0.50% · 4.625%
HK$100,442
+HK$5,029/mo
Deposit HK$11.89M · loan HK$17.84M · min. income ≈ HK$190,826/mo (50% DSR)
Upfront cash ≈ HK$13.16M (deposit + AVD stamp duty HK$1,263,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,930
−HK$5,953/mo
▼ 0.25% · 3.875%
HK$97,883
−HK$3,000/mo
Today · 4.125%
HK$100,883
baseline
▲ 0.50% · 4.625%
HK$107,022
+HK$6,139/mo
Deposit HK$8.92M · loan HK$20.82M · min. income ≈ HK$201,766/mo (50% DSR)
Upfront cash ≈ HK$10.18M (deposit + AVD stamp duty HK$1,263,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,609
−HK$5,706/mo
▼ 0.25% · 3.875%
HK$108,441
−HK$2,874/mo
Today · 4.125%
HK$111,315
baseline
▲ 0.50% · 4.625%
HK$117,182
+HK$5,867/mo
Deposit HK$8.92M · loan HK$20.82M · min. income ≈ HK$222,630/mo (50% DSR)
Upfront cash ≈ HK$10.18M (deposit + AVD stamp duty HK$1,263,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,053
−HK$7,654/mo
▼ 0.25% · 3.875%
HK$125,850
−HK$3,857/mo
Today · 4.125%
HK$129,707
baseline
▲ 0.50% · 4.625%
HK$137,599
+HK$7,892/mo
Deposit HK$2.97M · loan HK$26.76M · min. income ≈ HK$259,414/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$1,263,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,783
−HK$7,336/mo
▼ 0.25% · 3.875%
HK$139,425
−HK$3,694/mo
Today · 4.125%
HK$143,119
baseline
▲ 0.50% · 4.625%
HK$150,663
+HK$7,544/mo
Deposit HK$2.97M · loan HK$26.76M · min. income ≈ HK$286,238/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$1,263,810 · Scale 2, in force from 26 Feb 2026)