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$67,953
−HK$4,261/mo
▼ 0.25% · 3.875%
HK$70,067
−HK$2,147/mo
Today · 4.125%
HK$72,214
baseline
▲ 0.50% · 4.625%
HK$76,608
+HK$4,394/mo
Deposit HK$14.90M · loan HK$14.90M · min. income ≈ HK$144,428/mo (50% DSR)
Upfront cash ≈ HK$16.17M (deposit + AVD stamp duty HK$1,266,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,597
−HK$4,084/mo
▼ 0.25% · 3.875%
HK$77,624
−HK$2,057/mo
Today · 4.125%
HK$79,681
baseline
▲ 0.50% · 4.625%
HK$83,881
+HK$4,200/mo
Deposit HK$14.90M · loan HK$14.90M · min. income ≈ HK$159,362/mo (50% DSR)
Upfront cash ≈ HK$16.17M (deposit + AVD stamp duty HK$1,266,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,543
−HK$5,114/mo
▼ 0.25% · 3.875%
HK$84,080
−HK$2,577/mo
Today · 4.125%
HK$86,657
baseline
▲ 0.50% · 4.625%
HK$91,930
+HK$5,273/mo
Deposit HK$11.92M · loan HK$17.88M · min. income ≈ HK$173,314/mo (50% DSR)
Upfront cash ≈ HK$13.19M (deposit + AVD stamp duty HK$1,266,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,716
−HK$4,901/mo
▼ 0.25% · 3.875%
HK$93,149
−HK$2,468/mo
Today · 4.125%
HK$95,617
baseline
▲ 0.50% · 4.625%
HK$100,658
+HK$5,041/mo
Deposit HK$11.92M · loan HK$17.88M · min. income ≈ HK$191,234/mo (50% DSR)
Upfront cash ≈ HK$13.19M (deposit + AVD stamp duty HK$1,266,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,134
−HK$5,966/mo
▼ 0.25% · 3.875%
HK$98,093
−HK$3,007/mo
Today · 4.125%
HK$101,100
baseline
▲ 0.50% · 4.625%
HK$107,251
+HK$6,151/mo
Deposit HK$8.94M · loan HK$20.86M · min. income ≈ HK$202,200/mo (50% DSR)
Upfront cash ≈ HK$10.21M (deposit + AVD stamp duty HK$1,266,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,836
−HK$5,718/mo
▼ 0.25% · 3.875%
HK$108,674
−HK$2,880/mo
Today · 4.125%
HK$111,554
baseline
▲ 0.50% · 4.625%
HK$117,434
+HK$5,880/mo
Deposit HK$8.94M · loan HK$20.86M · min. income ≈ HK$223,108/mo (50% DSR)
Upfront cash ≈ HK$10.21M (deposit + AVD stamp duty HK$1,266,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,315
−HK$7,670/mo
▼ 0.25% · 3.875%
HK$126,120
−HK$3,865/mo
Today · 4.125%
HK$129,985
baseline
▲ 0.50% · 4.625%
HK$137,895
+HK$7,910/mo
Deposit HK$2.98M · loan HK$26.82M · min. income ≈ HK$259,970/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$1,266,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,074
−HK$7,352/mo
▼ 0.25% · 3.875%
HK$139,724
−HK$3,702/mo
Today · 4.125%
HK$143,426
baseline
▲ 0.50% · 4.625%
HK$150,986
+HK$7,560/mo
Deposit HK$2.98M · loan HK$26.82M · min. income ≈ HK$286,852/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$1,266,524 · Scale 2, in force from 26 Feb 2026)