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$68,011
−HK$4,265/mo
▼ 0.25% · 3.875%
HK$70,127
−HK$2,149/mo
Today · 4.125%
HK$72,276
baseline
▲ 0.50% · 4.625%
HK$76,674
+HK$4,398/mo
Deposit HK$14.91M · loan HK$14.91M · min. income ≈ HK$144,552/mo (50% DSR)
Upfront cash ≈ HK$16.18M (deposit + AVD stamp duty HK$1,267,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,662
−HK$4,088/mo
▼ 0.25% · 3.875%
HK$77,691
−HK$2,059/mo
Today · 4.125%
HK$79,750
baseline
▲ 0.50% · 4.625%
HK$83,953
+HK$4,203/mo
Deposit HK$14.91M · loan HK$14.91M · min. income ≈ HK$159,500/mo (50% DSR)
Upfront cash ≈ HK$16.18M (deposit + AVD stamp duty HK$1,267,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,614
−HK$5,117/mo
▼ 0.25% · 3.875%
HK$84,152
−HK$2,579/mo
Today · 4.125%
HK$86,731
baseline
▲ 0.50% · 4.625%
HK$92,009
+HK$5,278/mo
Deposit HK$11.93M · loan HK$17.90M · min. income ≈ HK$173,462/mo (50% DSR)
Upfront cash ≈ HK$13.20M (deposit + AVD stamp duty HK$1,267,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,794
−HK$4,906/mo
▼ 0.25% · 3.875%
HK$93,229
−HK$2,471/mo
Today · 4.125%
HK$95,700
baseline
▲ 0.50% · 4.625%
HK$100,744
+HK$5,044/mo
Deposit HK$11.93M · loan HK$17.90M · min. income ≈ HK$191,400/mo (50% DSR)
Upfront cash ≈ HK$13.20M (deposit + AVD stamp duty HK$1,267,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,216
−HK$5,971/mo
▼ 0.25% · 3.875%
HK$98,178
−HK$3,009/mo
Today · 4.125%
HK$101,187
baseline
▲ 0.50% · 4.625%
HK$107,344
+HK$6,157/mo
Deposit HK$8.95M · loan HK$20.88M · min. income ≈ HK$202,374/mo (50% DSR)
Upfront cash ≈ HK$10.22M (deposit + AVD stamp duty HK$1,267,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,927
−HK$5,723/mo
▼ 0.25% · 3.875%
HK$108,768
−HK$2,882/mo
Today · 4.125%
HK$111,650
baseline
▲ 0.50% · 4.625%
HK$117,535
+HK$5,885/mo
Deposit HK$8.95M · loan HK$20.88M · min. income ≈ HK$223,300/mo (50% DSR)
Upfront cash ≈ HK$10.22M (deposit + AVD stamp duty HK$1,267,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,420
−HK$7,677/mo
▼ 0.25% · 3.875%
HK$126,228
−HK$3,869/mo
Today · 4.125%
HK$130,097
baseline
▲ 0.50% · 4.625%
HK$138,013
+HK$7,916/mo
Deposit HK$2.98M · loan HK$26.84M · min. income ≈ HK$260,194/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$1,267,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,191
−HK$7,358/mo
▼ 0.25% · 3.875%
HK$139,844
−HK$3,705/mo
Today · 4.125%
HK$143,549
baseline
▲ 0.50% · 4.625%
HK$151,116
+HK$7,567/mo
Deposit HK$2.98M · loan HK$26.84M · min. income ≈ HK$287,098/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$1,267,613 · Scale 2, in force from 26 Feb 2026)