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$67,544
−HK$4,236/mo
▼ 0.25% · 3.875%
HK$69,645
−HK$2,135/mo
Today · 4.125%
HK$71,780
baseline
▲ 0.50% · 4.625%
HK$76,148
+HK$4,368/mo
Deposit HK$14.81M · loan HK$14.81M · min. income ≈ HK$143,560/mo (50% DSR)
Upfront cash ≈ HK$16.07M (deposit + AVD stamp duty HK$1,258,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,142
−HK$4,060/mo
▼ 0.25% · 3.875%
HK$77,158
−HK$2,044/mo
Today · 4.125%
HK$79,202
baseline
▲ 0.50% · 4.625%
HK$83,377
+HK$4,175/mo
Deposit HK$14.81M · loan HK$14.81M · min. income ≈ HK$158,404/mo (50% DSR)
Upfront cash ≈ HK$16.07M (deposit + AVD stamp duty HK$1,258,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,053
−HK$5,083/mo
▼ 0.25% · 3.875%
HK$83,574
−HK$2,562/mo
Today · 4.125%
HK$86,136
baseline
▲ 0.50% · 4.625%
HK$91,377
+HK$5,241/mo
Deposit HK$11.85M · loan HK$17.77M · min. income ≈ HK$172,272/mo (50% DSR)
Upfront cash ≈ HK$13.11M (deposit + AVD stamp duty HK$1,258,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,171
−HK$4,872/mo
▼ 0.25% · 3.875%
HK$92,589
−HK$2,454/mo
Today · 4.125%
HK$95,043
baseline
▲ 0.50% · 4.625%
HK$100,052
+HK$5,009/mo
Deposit HK$11.85M · loan HK$17.77M · min. income ≈ HK$190,086/mo (50% DSR)
Upfront cash ≈ HK$13.11M (deposit + AVD stamp duty HK$1,258,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,562
−HK$5,930/mo
▼ 0.25% · 3.875%
HK$97,504
−HK$2,988/mo
Today · 4.125%
HK$100,492
baseline
▲ 0.50% · 4.625%
HK$106,607
+HK$6,115/mo
Deposit HK$8.89M · loan HK$20.73M · min. income ≈ HK$200,984/mo (50% DSR)
Upfront cash ≈ HK$10.15M (deposit + AVD stamp duty HK$1,258,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,199
−HK$5,684/mo
▼ 0.25% · 3.875%
HK$108,021
−HK$2,862/mo
Today · 4.125%
HK$110,883
baseline
▲ 0.50% · 4.625%
HK$116,728
+HK$5,845/mo
Deposit HK$8.89M · loan HK$20.73M · min. income ≈ HK$221,766/mo (50% DSR)
Upfront cash ≈ HK$10.15M (deposit + AVD stamp duty HK$1,258,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,580
−HK$7,624/mo
▼ 0.25% · 3.875%
HK$125,362
−HK$3,842/mo
Today · 4.125%
HK$129,204
baseline
▲ 0.50% · 4.625%
HK$137,066
+HK$7,862/mo
Deposit HK$2.96M · loan HK$26.66M · min. income ≈ HK$258,408/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$1,258,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,256
−HK$7,308/mo
▼ 0.25% · 3.875%
HK$138,884
−HK$3,680/mo
Today · 4.125%
HK$142,564
baseline
▲ 0.50% · 4.625%
HK$150,079
+HK$7,515/mo
Deposit HK$2.96M · loan HK$26.66M · min. income ≈ HK$285,128/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$1,258,909 · Scale 2, in force from 26 Feb 2026)