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$67,184
−HK$4,213/mo
▼ 0.25% · 3.875%
HK$69,273
−HK$2,124/mo
Today · 4.125%
HK$71,397
baseline
▲ 0.50% · 4.625%
HK$75,741
+HK$4,344/mo
Deposit HK$14.73M · loan HK$14.73M · min. income ≈ HK$142,794/mo (50% DSR)
Upfront cash ≈ HK$15.98M (deposit + AVD stamp duty HK$1,252,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,741
−HK$4,038/mo
▼ 0.25% · 3.875%
HK$76,746
−HK$2,033/mo
Today · 4.125%
HK$78,779
baseline
▲ 0.50% · 4.625%
HK$82,932
+HK$4,153/mo
Deposit HK$14.73M · loan HK$14.73M · min. income ≈ HK$157,558/mo (50% DSR)
Upfront cash ≈ HK$15.98M (deposit + AVD stamp duty HK$1,252,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,620
−HK$5,056/mo
▼ 0.25% · 3.875%
HK$83,128
−HK$2,548/mo
Today · 4.125%
HK$85,676
baseline
▲ 0.50% · 4.625%
HK$90,889
+HK$5,213/mo
Deposit HK$11.79M · loan HK$17.68M · min. income ≈ HK$171,352/mo (50% DSR)
Upfront cash ≈ HK$13.04M (deposit + AVD stamp duty HK$1,252,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,689
−HK$4,846/mo
▼ 0.25% · 3.875%
HK$92,095
−HK$2,440/mo
Today · 4.125%
HK$94,535
baseline
▲ 0.50% · 4.625%
HK$99,518
+HK$4,983/mo
Deposit HK$11.79M · loan HK$17.68M · min. income ≈ HK$189,070/mo (50% DSR)
Upfront cash ≈ HK$13.04M (deposit + AVD stamp duty HK$1,252,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,057
−HK$5,898/mo
▼ 0.25% · 3.875%
HK$96,983
−HK$2,972/mo
Today · 4.125%
HK$99,955
baseline
▲ 0.50% · 4.625%
HK$106,037
+HK$6,082/mo
Deposit HK$8.84M · loan HK$20.62M · min. income ≈ HK$199,910/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$1,252,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,638
−HK$5,653/mo
▼ 0.25% · 3.875%
HK$107,444
−HK$2,847/mo
Today · 4.125%
HK$110,291
baseline
▲ 0.50% · 4.625%
HK$116,104
+HK$5,813/mo
Deposit HK$8.84M · loan HK$20.62M · min. income ≈ HK$220,582/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$1,252,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,930
−HK$7,584/mo
▼ 0.25% · 3.875%
HK$124,692
−HK$3,822/mo
Today · 4.125%
HK$128,514
baseline
▲ 0.50% · 4.625%
HK$136,334
+HK$7,820/mo
Deposit HK$2.95M · loan HK$26.52M · min. income ≈ HK$257,028/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$1,252,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,534
−HK$7,268/mo
▼ 0.25% · 3.875%
HK$138,142
−HK$3,660/mo
Today · 4.125%
HK$141,802
baseline
▲ 0.50% · 4.625%
HK$149,277
+HK$7,475/mo
Deposit HK$2.95M · loan HK$26.52M · min. income ≈ HK$283,604/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$1,252,186 · Scale 2, in force from 26 Feb 2026)