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$67,860
−HK$4,256/mo
▼ 0.25% · 3.875%
HK$69,971
−HK$2,145/mo
Today · 4.125%
HK$72,116
baseline
▲ 0.50% · 4.625%
HK$76,504
+HK$4,388/mo
Deposit HK$14.88M · loan HK$14.88M · min. income ≈ HK$144,232/mo (50% DSR)
Upfront cash ≈ HK$16.14M (deposit + AVD stamp duty HK$1,264,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,494
−HK$4,078/mo
▼ 0.25% · 3.875%
HK$77,518
−HK$2,054/mo
Today · 4.125%
HK$79,572
baseline
▲ 0.50% · 4.625%
HK$83,767
+HK$4,195/mo
Deposit HK$14.88M · loan HK$14.88M · min. income ≈ HK$159,144/mo (50% DSR)
Upfront cash ≈ HK$16.14M (deposit + AVD stamp duty HK$1,264,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,432
−HK$5,107/mo
▼ 0.25% · 3.875%
HK$83,965
−HK$2,574/mo
Today · 4.125%
HK$86,539
baseline
▲ 0.50% · 4.625%
HK$91,804
+HK$5,265/mo
Deposit HK$11.90M · loan HK$17.86M · min. income ≈ HK$173,078/mo (50% DSR)
Upfront cash ≈ HK$13.17M (deposit + AVD stamp duty HK$1,264,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,592
−HK$4,895/mo
▼ 0.25% · 3.875%
HK$93,022
−HK$2,465/mo
Today · 4.125%
HK$95,487
baseline
▲ 0.50% · 4.625%
HK$100,520
+HK$5,033/mo
Deposit HK$11.90M · loan HK$17.86M · min. income ≈ HK$190,974/mo (50% DSR)
Upfront cash ≈ HK$13.17M (deposit + AVD stamp duty HK$1,264,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,004
−HK$5,958/mo
▼ 0.25% · 3.875%
HK$97,959
−HK$3,003/mo
Today · 4.125%
HK$100,962
baseline
▲ 0.50% · 4.625%
HK$107,105
+HK$6,143/mo
Deposit HK$8.93M · loan HK$20.83M · min. income ≈ HK$201,924/mo (50% DSR)
Upfront cash ≈ HK$10.19M (deposit + AVD stamp duty HK$1,264,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,691
−HK$5,710/mo
▼ 0.25% · 3.875%
HK$108,526
−HK$2,875/mo
Today · 4.125%
HK$111,401
baseline
▲ 0.50% · 4.625%
HK$117,273
+HK$5,872/mo
Deposit HK$8.93M · loan HK$20.83M · min. income ≈ HK$222,802/mo (50% DSR)
Upfront cash ≈ HK$10.19M (deposit + AVD stamp duty HK$1,264,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,148
−HK$7,660/mo
▼ 0.25% · 3.875%
HK$125,948
−HK$3,860/mo
Today · 4.125%
HK$129,808
baseline
▲ 0.50% · 4.625%
HK$137,706
+HK$7,898/mo
Deposit HK$2.98M · loan HK$26.78M · min. income ≈ HK$259,616/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$1,264,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,889
−HK$7,341/mo
▼ 0.25% · 3.875%
HK$139,533
−HK$3,697/mo
Today · 4.125%
HK$143,230
baseline
▲ 0.50% · 4.625%
HK$150,780
+HK$7,550/mo
Deposit HK$2.98M · loan HK$26.78M · min. income ≈ HK$286,460/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$1,264,795 · Scale 2, in force from 26 Feb 2026)