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$66,797
−HK$4,188/mo
▼ 0.25% · 3.875%
HK$68,874
−HK$2,111/mo
Today · 4.125%
HK$70,985
baseline
▲ 0.50% · 4.625%
HK$75,305
+HK$4,320/mo
Deposit HK$14.65M · loan HK$14.65M · min. income ≈ HK$141,970/mo (50% DSR)
Upfront cash ≈ HK$15.89M (deposit + AVD stamp duty HK$1,244,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,311
−HK$4,014/mo
▼ 0.25% · 3.875%
HK$76,304
−HK$2,021/mo
Today · 4.125%
HK$78,325
baseline
▲ 0.50% · 4.625%
HK$82,454
+HK$4,129/mo
Deposit HK$14.65M · loan HK$14.65M · min. income ≈ HK$156,650/mo (50% DSR)
Upfront cash ≈ HK$15.89M (deposit + AVD stamp duty HK$1,244,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,156
−HK$5,026/mo
▼ 0.25% · 3.875%
HK$82,649
−HK$2,533/mo
Today · 4.125%
HK$85,182
baseline
▲ 0.50% · 4.625%
HK$90,366
+HK$5,184/mo
Deposit HK$11.72M · loan HK$17.58M · min. income ≈ HK$170,364/mo (50% DSR)
Upfront cash ≈ HK$12.96M (deposit + AVD stamp duty HK$1,244,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,173
−HK$4,817/mo
▼ 0.25% · 3.875%
HK$91,564
−HK$2,426/mo
Today · 4.125%
HK$93,990
baseline
▲ 0.50% · 4.625%
HK$98,945
+HK$4,955/mo
Deposit HK$11.72M · loan HK$17.58M · min. income ≈ HK$187,980/mo (50% DSR)
Upfront cash ≈ HK$12.96M (deposit + AVD stamp duty HK$1,244,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,515
−HK$5,865/mo
▼ 0.25% · 3.875%
HK$96,424
−HK$2,956/mo
Today · 4.125%
HK$99,380
baseline
▲ 0.50% · 4.625%
HK$105,427
+HK$6,047/mo
Deposit HK$8.79M · loan HK$20.51M · min. income ≈ HK$198,760/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$1,244,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,035
−HK$5,620/mo
▼ 0.25% · 3.875%
HK$106,825
−HK$2,830/mo
Today · 4.125%
HK$109,655
baseline
▲ 0.50% · 4.625%
HK$115,436
+HK$5,781/mo
Deposit HK$8.79M · loan HK$20.51M · min. income ≈ HK$219,310/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$1,244,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,234
−HK$7,540/mo
▼ 0.25% · 3.875%
HK$123,974
−HK$3,800/mo
Today · 4.125%
HK$127,774
baseline
▲ 0.50% · 4.625%
HK$135,548
+HK$7,774/mo
Deposit HK$2.93M · loan HK$26.36M · min. income ≈ HK$255,548/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$1,244,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,759
−HK$7,227/mo
▼ 0.25% · 3.875%
HK$137,346
−HK$3,640/mo
Today · 4.125%
HK$140,986
baseline
▲ 0.50% · 4.625%
HK$148,417
+HK$7,431/mo
Deposit HK$2.93M · loan HK$26.36M · min. income ≈ HK$281,972/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$1,244,973 · Scale 2, in force from 26 Feb 2026)