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$68,037
−HK$4,266/mo
▼ 0.25% · 3.875%
HK$70,153
−HK$2,150/mo
Today · 4.125%
HK$72,303
baseline
▲ 0.50% · 4.625%
HK$76,703
+HK$4,400/mo
Deposit HK$14.92M · loan HK$14.92M · min. income ≈ HK$144,606/mo (50% DSR)
Upfront cash ≈ HK$16.19M (deposit + AVD stamp duty HK$1,268,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,690
−HK$4,090/mo
▼ 0.25% · 3.875%
HK$77,720
−HK$2,060/mo
Today · 4.125%
HK$79,780
baseline
▲ 0.50% · 4.625%
HK$83,985
+HK$4,205/mo
Deposit HK$14.92M · loan HK$14.92M · min. income ≈ HK$159,560/mo (50% DSR)
Upfront cash ≈ HK$16.19M (deposit + AVD stamp duty HK$1,268,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,644
−HK$5,120/mo
▼ 0.25% · 3.875%
HK$84,184
−HK$2,580/mo
Today · 4.125%
HK$86,764
baseline
▲ 0.50% · 4.625%
HK$92,043
+HK$5,279/mo
Deposit HK$11.93M · loan HK$17.90M · min. income ≈ HK$173,528/mo (50% DSR)
Upfront cash ≈ HK$13.20M (deposit + AVD stamp duty HK$1,268,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,828
−HK$4,908/mo
▼ 0.25% · 3.875%
HK$93,264
−HK$2,472/mo
Today · 4.125%
HK$95,736
baseline
▲ 0.50% · 4.625%
HK$100,782
+HK$5,046/mo
Deposit HK$11.93M · loan HK$17.90M · min. income ≈ HK$191,472/mo (50% DSR)
Upfront cash ≈ HK$13.20M (deposit + AVD stamp duty HK$1,268,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,252
−HK$5,973/mo
▼ 0.25% · 3.875%
HK$98,214
−HK$3,011/mo
Today · 4.125%
HK$101,225
baseline
▲ 0.50% · 4.625%
HK$107,384
+HK$6,159/mo
Deposit HK$8.95M · loan HK$20.89M · min. income ≈ HK$202,450/mo (50% DSR)
Upfront cash ≈ HK$10.22M (deposit + AVD stamp duty HK$1,268,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,966
−HK$5,725/mo
▼ 0.25% · 3.875%
HK$108,808
−HK$2,883/mo
Today · 4.125%
HK$111,691
baseline
▲ 0.50% · 4.625%
HK$117,579
+HK$5,888/mo
Deposit HK$8.95M · loan HK$20.89M · min. income ≈ HK$223,382/mo (50% DSR)
Upfront cash ≈ HK$10.22M (deposit + AVD stamp duty HK$1,268,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,466
−HK$7,680/mo
▼ 0.25% · 3.875%
HK$126,276
−HK$3,870/mo
Today · 4.125%
HK$130,146
baseline
▲ 0.50% · 4.625%
HK$138,065
+HK$7,919/mo
Deposit HK$2.98M · loan HK$26.85M · min. income ≈ HK$260,292/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$1,268,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,243
−HK$7,360/mo
▼ 0.25% · 3.875%
HK$139,896
−HK$3,707/mo
Today · 4.125%
HK$143,603
baseline
▲ 0.50% · 4.625%
HK$151,173
+HK$7,570/mo
Deposit HK$2.98M · loan HK$26.85M · min. income ≈ HK$287,206/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$1,268,088 · Scale 2, in force from 26 Feb 2026)