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$67,019
−HK$4,203/mo
▼ 0.25% · 3.875%
HK$69,104
−HK$2,118/mo
Today · 4.125%
HK$71,222
baseline
▲ 0.50% · 4.625%
HK$75,556
+HK$4,334/mo
Deposit HK$14.70M · loan HK$14.70M · min. income ≈ HK$142,444/mo (50% DSR)
Upfront cash ≈ HK$15.94M (deposit + AVD stamp duty HK$1,249,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,558
−HK$4,029/mo
▼ 0.25% · 3.875%
HK$76,558
−HK$2,029/mo
Today · 4.125%
HK$78,587
baseline
▲ 0.50% · 4.625%
HK$82,729
+HK$4,142/mo
Deposit HK$14.70M · loan HK$14.70M · min. income ≈ HK$157,174/mo (50% DSR)
Upfront cash ≈ HK$15.94M (deposit + AVD stamp duty HK$1,249,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,423
−HK$5,043/mo
▼ 0.25% · 3.875%
HK$82,925
−HK$2,541/mo
Today · 4.125%
HK$85,466
baseline
▲ 0.50% · 4.625%
HK$90,667
+HK$5,201/mo
Deposit HK$11.76M · loan HK$17.63M · min. income ≈ HK$170,932/mo (50% DSR)
Upfront cash ≈ HK$13.01M (deposit + AVD stamp duty HK$1,249,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,470
−HK$4,834/mo
▼ 0.25% · 3.875%
HK$91,870
−HK$2,434/mo
Today · 4.125%
HK$94,304
baseline
▲ 0.50% · 4.625%
HK$99,275
+HK$4,971/mo
Deposit HK$11.76M · loan HK$17.63M · min. income ≈ HK$188,608/mo (50% DSR)
Upfront cash ≈ HK$13.01M (deposit + AVD stamp duty HK$1,249,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,827
−HK$5,884/mo
▼ 0.25% · 3.875%
HK$96,746
−HK$2,965/mo
Today · 4.125%
HK$99,711
baseline
▲ 0.50% · 4.625%
HK$105,778
+HK$6,067/mo
Deposit HK$8.82M · loan HK$20.57M · min. income ≈ HK$199,422/mo (50% DSR)
Upfront cash ≈ HK$10.07M (deposit + AVD stamp duty HK$1,249,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,382
−HK$5,639/mo
▼ 0.25% · 3.875%
HK$107,181
−HK$2,840/mo
Today · 4.125%
HK$110,021
baseline
▲ 0.50% · 4.625%
HK$115,820
+HK$5,799/mo
Deposit HK$8.82M · loan HK$20.57M · min. income ≈ HK$220,042/mo (50% DSR)
Upfront cash ≈ HK$10.07M (deposit + AVD stamp duty HK$1,249,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,635
−HK$7,565/mo
▼ 0.25% · 3.875%
HK$124,387
−HK$3,813/mo
Today · 4.125%
HK$128,200
baseline
▲ 0.50% · 4.625%
HK$136,000
+HK$7,800/mo
Deposit HK$2.94M · loan HK$26.45M · min. income ≈ HK$256,400/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$1,249,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,205
−HK$7,251/mo
▼ 0.25% · 3.875%
HK$137,804
−HK$3,652/mo
Today · 4.125%
HK$141,456
baseline
▲ 0.50% · 4.625%
HK$148,912
+HK$7,456/mo
Deposit HK$2.94M · loan HK$26.45M · min. income ≈ HK$282,912/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$1,249,124 · Scale 2, in force from 26 Feb 2026)