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$67,441
−HK$4,229/mo
▼ 0.25% · 3.875%
HK$69,539
−HK$2,131/mo
Today · 4.125%
HK$71,670
baseline
▲ 0.50% · 4.625%
HK$76,031
+HK$4,361/mo
Deposit HK$14.79M · loan HK$14.79M · min. income ≈ HK$143,340/mo (50% DSR)
Upfront cash ≈ HK$16.04M (deposit + AVD stamp duty HK$1,256,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,027
−HK$4,054/mo
▼ 0.25% · 3.875%
HK$77,039
−HK$2,042/mo
Today · 4.125%
HK$79,081
baseline
▲ 0.50% · 4.625%
HK$83,249
+HK$4,168/mo
Deposit HK$14.79M · loan HK$14.79M · min. income ≈ HK$158,162/mo (50% DSR)
Upfront cash ≈ HK$16.04M (deposit + AVD stamp duty HK$1,256,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,929
−HK$5,075/mo
▼ 0.25% · 3.875%
HK$83,446
−HK$2,558/mo
Today · 4.125%
HK$86,004
baseline
▲ 0.50% · 4.625%
HK$91,237
+HK$5,233/mo
Deposit HK$11.83M · loan HK$17.75M · min. income ≈ HK$172,008/mo (50% DSR)
Upfront cash ≈ HK$13.09M (deposit + AVD stamp duty HK$1,256,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,033
−HK$4,864/mo
▼ 0.25% · 3.875%
HK$92,447
−HK$2,450/mo
Today · 4.125%
HK$94,897
baseline
▲ 0.50% · 4.625%
HK$99,899
+HK$5,002/mo
Deposit HK$11.83M · loan HK$17.75M · min. income ≈ HK$189,794/mo (50% DSR)
Upfront cash ≈ HK$13.09M (deposit + AVD stamp duty HK$1,256,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,417
−HK$5,921/mo
▼ 0.25% · 3.875%
HK$97,354
−HK$2,984/mo
Today · 4.125%
HK$100,338
baseline
▲ 0.50% · 4.625%
HK$106,443
+HK$6,105/mo
Deposit HK$8.87M · loan HK$20.70M · min. income ≈ HK$200,676/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$1,256,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,038
−HK$5,675/mo
▼ 0.25% · 3.875%
HK$107,855
−HK$2,858/mo
Today · 4.125%
HK$110,713
baseline
▲ 0.50% · 4.625%
HK$116,549
+HK$5,836/mo
Deposit HK$8.87M · loan HK$20.70M · min. income ≈ HK$221,426/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$1,256,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,393
−HK$7,613/mo
▼ 0.25% · 3.875%
HK$125,170
−HK$3,836/mo
Today · 4.125%
HK$129,006
baseline
▲ 0.50% · 4.625%
HK$136,856
+HK$7,850/mo
Deposit HK$2.96M · loan HK$26.62M · min. income ≈ HK$258,012/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$1,256,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,049
−HK$7,296/mo
▼ 0.25% · 3.875%
HK$138,671
−HK$3,674/mo
Today · 4.125%
HK$142,345
baseline
▲ 0.50% · 4.625%
HK$149,849
+HK$7,504/mo
Deposit HK$2.96M · loan HK$26.62M · min. income ≈ HK$284,690/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$1,256,980 · Scale 2, in force from 26 Feb 2026)