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$67,791
−HK$4,252/mo
▼ 0.25% · 3.875%
HK$69,900
−HK$2,143/mo
Today · 4.125%
HK$72,043
baseline
▲ 0.50% · 4.625%
HK$76,426
+HK$4,383/mo
Deposit HK$14.86M · loan HK$14.86M · min. income ≈ HK$144,086/mo (50% DSR)
Upfront cash ≈ HK$16.13M (deposit + AVD stamp duty HK$1,263,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,417
−HK$4,075/mo
▼ 0.25% · 3.875%
HK$77,440
−HK$2,052/mo
Today · 4.125%
HK$79,492
baseline
▲ 0.50% · 4.625%
HK$83,682
+HK$4,190/mo
Deposit HK$14.86M · loan HK$14.86M · min. income ≈ HK$158,984/mo (50% DSR)
Upfront cash ≈ HK$16.13M (deposit + AVD stamp duty HK$1,263,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,350
−HK$5,101/mo
▼ 0.25% · 3.875%
HK$83,880
−HK$2,571/mo
Today · 4.125%
HK$86,451
baseline
▲ 0.50% · 4.625%
HK$91,711
+HK$5,260/mo
Deposit HK$11.89M · loan HK$17.84M · min. income ≈ HK$172,902/mo (50% DSR)
Upfront cash ≈ HK$13.16M (deposit + AVD stamp duty HK$1,263,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,501
−HK$4,889/mo
▼ 0.25% · 3.875%
HK$92,928
−HK$2,462/mo
Today · 4.125%
HK$95,390
baseline
▲ 0.50% · 4.625%
HK$100,418
+HK$5,028/mo
Deposit HK$11.89M · loan HK$17.84M · min. income ≈ HK$190,780/mo (50% DSR)
Upfront cash ≈ HK$13.16M (deposit + AVD stamp duty HK$1,263,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,908
−HK$5,952/mo
▼ 0.25% · 3.875%
HK$97,860
−HK$3,000/mo
Today · 4.125%
HK$100,860
baseline
▲ 0.50% · 4.625%
HK$106,997
+HK$6,137/mo
Deposit HK$8.92M · loan HK$20.81M · min. income ≈ HK$201,720/mo (50% DSR)
Upfront cash ≈ HK$10.18M (deposit + AVD stamp duty HK$1,263,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,584
−HK$5,705/mo
▼ 0.25% · 3.875%
HK$108,416
−HK$2,873/mo
Today · 4.125%
HK$111,289
baseline
▲ 0.50% · 4.625%
HK$117,155
+HK$5,866/mo
Deposit HK$8.92M · loan HK$20.81M · min. income ≈ HK$222,578/mo (50% DSR)
Upfront cash ≈ HK$10.18M (deposit + AVD stamp duty HK$1,263,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,025
−HK$7,652/mo
▼ 0.25% · 3.875%
HK$125,820
−HK$3,857/mo
Today · 4.125%
HK$129,677
baseline
▲ 0.50% · 4.625%
HK$137,567
+HK$7,890/mo
Deposit HK$2.97M · loan HK$26.76M · min. income ≈ HK$259,354/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$1,263,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,751
−HK$7,334/mo
▼ 0.25% · 3.875%
HK$139,392
−HK$3,693/mo
Today · 4.125%
HK$143,085
baseline
▲ 0.50% · 4.625%
HK$150,627
+HK$7,542/mo
Deposit HK$2.97M · loan HK$26.76M · min. income ≈ HK$286,170/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$1,263,514 · Scale 2, in force from 26 Feb 2026)