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$67,872
−HK$4,256/mo
▼ 0.25% · 3.875%
HK$69,983
−HK$2,145/mo
Today · 4.125%
HK$72,128
baseline
▲ 0.50% · 4.625%
HK$76,517
+HK$4,389/mo
Deposit HK$14.88M · loan HK$14.88M · min. income ≈ HK$144,256/mo (50% DSR)
Upfront cash ≈ HK$16.15M (deposit + AVD stamp duty HK$1,265,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,506
−HK$4,080/mo
▼ 0.25% · 3.875%
HK$77,531
−HK$2,055/mo
Today · 4.125%
HK$79,586
baseline
▲ 0.50% · 4.625%
HK$83,781
+HK$4,195/mo
Deposit HK$14.88M · loan HK$14.88M · min. income ≈ HK$159,172/mo (50% DSR)
Upfront cash ≈ HK$16.15M (deposit + AVD stamp duty HK$1,265,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,446
−HK$5,107/mo
▼ 0.25% · 3.875%
HK$83,979
−HK$2,574/mo
Today · 4.125%
HK$86,553
baseline
▲ 0.50% · 4.625%
HK$91,820
+HK$5,267/mo
Deposit HK$11.91M · loan HK$17.86M · min. income ≈ HK$173,106/mo (50% DSR)
Upfront cash ≈ HK$13.17M (deposit + AVD stamp duty HK$1,265,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,608
−HK$4,895/mo
▼ 0.25% · 3.875%
HK$93,038
−HK$2,465/mo
Today · 4.125%
HK$95,503
baseline
▲ 0.50% · 4.625%
HK$100,537
+HK$5,034/mo
Deposit HK$11.91M · loan HK$17.86M · min. income ≈ HK$191,006/mo (50% DSR)
Upfront cash ≈ HK$13.17M (deposit + AVD stamp duty HK$1,265,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,020
−HK$5,959/mo
▼ 0.25% · 3.875%
HK$97,976
−HK$3,003/mo
Today · 4.125%
HK$100,979
baseline
▲ 0.50% · 4.625%
HK$107,123
+HK$6,144/mo
Deposit HK$8.93M · loan HK$20.84M · min. income ≈ HK$201,958/mo (50% DSR)
Upfront cash ≈ HK$10.19M (deposit + AVD stamp duty HK$1,265,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,709
−HK$5,711/mo
▼ 0.25% · 3.875%
HK$108,544
−HK$2,876/mo
Today · 4.125%
HK$111,420
baseline
▲ 0.50% · 4.625%
HK$117,293
+HK$5,873/mo
Deposit HK$8.93M · loan HK$20.84M · min. income ≈ HK$222,840/mo (50% DSR)
Upfront cash ≈ HK$10.19M (deposit + AVD stamp duty HK$1,265,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,169
−HK$7,661/mo
▼ 0.25% · 3.875%
HK$125,969
−HK$3,861/mo
Today · 4.125%
HK$129,830
baseline
▲ 0.50% · 4.625%
HK$137,730
+HK$7,900/mo
Deposit HK$2.98M · loan HK$26.79M · min. income ≈ HK$259,660/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$1,265,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,912
−HK$7,342/mo
▼ 0.25% · 3.875%
HK$139,557
−HK$3,697/mo
Today · 4.125%
HK$143,254
baseline
▲ 0.50% · 4.625%
HK$150,806
+HK$7,552/mo
Deposit HK$2.98M · loan HK$26.79M · min. income ≈ HK$286,508/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$1,265,008 · Scale 2, in force from 26 Feb 2026)