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$67,546
−HK$4,235/mo
▼ 0.25% · 3.875%
HK$69,647
−HK$2,134/mo
Today · 4.125%
HK$71,781
baseline
▲ 0.50% · 4.625%
HK$76,149
+HK$4,368/mo
Deposit HK$14.81M · loan HK$14.81M · min. income ≈ HK$143,562/mo (50% DSR)
Upfront cash ≈ HK$16.07M (deposit + AVD stamp duty HK$1,258,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,144
−HK$4,060/mo
▼ 0.25% · 3.875%
HK$77,159
−HK$2,045/mo
Today · 4.125%
HK$79,204
baseline
▲ 0.50% · 4.625%
HK$83,379
+HK$4,175/mo
Deposit HK$14.81M · loan HK$14.81M · min. income ≈ HK$158,408/mo (50% DSR)
Upfront cash ≈ HK$16.07M (deposit + AVD stamp duty HK$1,258,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,055
−HK$5,083/mo
▼ 0.25% · 3.875%
HK$83,576
−HK$2,562/mo
Today · 4.125%
HK$86,138
baseline
▲ 0.50% · 4.625%
HK$91,379
+HK$5,241/mo
Deposit HK$11.85M · loan HK$17.77M · min. income ≈ HK$172,276/mo (50% DSR)
Upfront cash ≈ HK$13.11M (deposit + AVD stamp duty HK$1,258,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,173
−HK$4,872/mo
▼ 0.25% · 3.875%
HK$92,591
−HK$2,454/mo
Today · 4.125%
HK$95,045
baseline
▲ 0.50% · 4.625%
HK$100,054
+HK$5,009/mo
Deposit HK$11.85M · loan HK$17.77M · min. income ≈ HK$190,090/mo (50% DSR)
Upfront cash ≈ HK$13.11M (deposit + AVD stamp duty HK$1,258,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,564
−HK$5,930/mo
▼ 0.25% · 3.875%
HK$97,506
−HK$2,988/mo
Today · 4.125%
HK$100,494
baseline
▲ 0.50% · 4.625%
HK$106,609
+HK$6,115/mo
Deposit HK$8.89M · loan HK$20.74M · min. income ≈ HK$200,988/mo (50% DSR)
Upfront cash ≈ HK$10.15M (deposit + AVD stamp duty HK$1,258,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,202
−HK$5,683/mo
▼ 0.25% · 3.875%
HK$108,023
−HK$2,862/mo
Today · 4.125%
HK$110,885
baseline
▲ 0.50% · 4.625%
HK$116,730
+HK$5,845/mo
Deposit HK$8.89M · loan HK$20.74M · min. income ≈ HK$221,770/mo (50% DSR)
Upfront cash ≈ HK$10.15M (deposit + AVD stamp duty HK$1,258,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,582
−HK$7,625/mo
▼ 0.25% · 3.875%
HK$125,364
−HK$3,843/mo
Today · 4.125%
HK$129,207
baseline
▲ 0.50% · 4.625%
HK$137,069
+HK$7,862/mo
Deposit HK$2.96M · loan HK$26.66M · min. income ≈ HK$258,414/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$1,258,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,259
−HK$7,308/mo
▼ 0.25% · 3.875%
HK$138,887
−HK$3,680/mo
Today · 4.125%
HK$142,567
baseline
▲ 0.50% · 4.625%
HK$150,082
+HK$7,515/mo
Deposit HK$2.96M · loan HK$26.66M · min. income ≈ HK$285,134/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$1,258,936 · Scale 2, in force from 26 Feb 2026)