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$67,989
−HK$4,264/mo
▼ 0.25% · 3.875%
HK$70,104
−HK$2,149/mo
Today · 4.125%
HK$72,253
baseline
▲ 0.50% · 4.625%
HK$76,649
+HK$4,396/mo
Deposit HK$14.91M · loan HK$14.91M · min. income ≈ HK$144,506/mo (50% DSR)
Upfront cash ≈ HK$16.18M (deposit + AVD stamp duty HK$1,267,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,637
−HK$4,087/mo
▼ 0.25% · 3.875%
HK$77,666
−HK$2,058/mo
Today · 4.125%
HK$79,724
baseline
▲ 0.50% · 4.625%
HK$83,926
+HK$4,202/mo
Deposit HK$14.91M · loan HK$14.91M · min. income ≈ HK$159,448/mo (50% DSR)
Upfront cash ≈ HK$16.18M (deposit + AVD stamp duty HK$1,267,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,587
−HK$5,116/mo
▼ 0.25% · 3.875%
HK$84,125
−HK$2,578/mo
Today · 4.125%
HK$86,703
baseline
▲ 0.50% · 4.625%
HK$91,979
+HK$5,276/mo
Deposit HK$11.93M · loan HK$17.89M · min. income ≈ HK$173,406/mo (50% DSR)
Upfront cash ≈ HK$13.19M (deposit + AVD stamp duty HK$1,267,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,765
−HK$4,904/mo
▼ 0.25% · 3.875%
HK$93,199
−HK$2,470/mo
Today · 4.125%
HK$95,669
baseline
▲ 0.50% · 4.625%
HK$100,712
+HK$5,043/mo
Deposit HK$11.93M · loan HK$17.89M · min. income ≈ HK$191,338/mo (50% DSR)
Upfront cash ≈ HK$13.19M (deposit + AVD stamp duty HK$1,267,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,185
−HK$5,969/mo
▼ 0.25% · 3.875%
HK$98,146
−HK$3,008/mo
Today · 4.125%
HK$101,154
baseline
▲ 0.50% · 4.625%
HK$107,309
+HK$6,155/mo
Deposit HK$8.94M · loan HK$20.87M · min. income ≈ HK$202,308/mo (50% DSR)
Upfront cash ≈ HK$10.21M (deposit + AVD stamp duty HK$1,267,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,892
−HK$5,722/mo
▼ 0.25% · 3.875%
HK$108,732
−HK$2,882/mo
Today · 4.125%
HK$111,614
baseline
▲ 0.50% · 4.625%
HK$117,497
+HK$5,883/mo
Deposit HK$8.94M · loan HK$20.87M · min. income ≈ HK$223,228/mo (50% DSR)
Upfront cash ≈ HK$10.21M (deposit + AVD stamp duty HK$1,267,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,381
−HK$7,674/mo
▼ 0.25% · 3.875%
HK$126,188
−HK$3,867/mo
Today · 4.125%
HK$130,055
baseline
▲ 0.50% · 4.625%
HK$137,969
+HK$7,914/mo
Deposit HK$2.98M · loan HK$26.83M · min. income ≈ HK$260,110/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$1,267,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,147
−HK$7,356/mo
▼ 0.25% · 3.875%
HK$139,799
−HK$3,704/mo
Today · 4.125%
HK$143,503
baseline
▲ 0.50% · 4.625%
HK$151,067
+HK$7,564/mo
Deposit HK$2.98M · loan HK$26.83M · min. income ≈ HK$287,006/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$1,267,203 · Scale 2, in force from 26 Feb 2026)