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$67,899
−HK$4,258/mo
▼ 0.25% · 3.875%
HK$70,011
−HK$2,146/mo
Today · 4.125%
HK$72,157
baseline
▲ 0.50% · 4.625%
HK$76,547
+HK$4,390/mo
Deposit HK$14.89M · loan HK$14.89M · min. income ≈ HK$144,314/mo (50% DSR)
Upfront cash ≈ HK$16.15M (deposit + AVD stamp duty HK$1,265,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,537
−HK$4,081/mo
▼ 0.25% · 3.875%
HK$77,563
−HK$2,055/mo
Today · 4.125%
HK$79,618
baseline
▲ 0.50% · 4.625%
HK$83,815
+HK$4,197/mo
Deposit HK$14.89M · loan HK$14.89M · min. income ≈ HK$159,236/mo (50% DSR)
Upfront cash ≈ HK$16.15M (deposit + AVD stamp duty HK$1,265,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,479
−HK$5,109/mo
▼ 0.25% · 3.875%
HK$84,013
−HK$2,575/mo
Today · 4.125%
HK$86,588
baseline
▲ 0.50% · 4.625%
HK$91,857
+HK$5,269/mo
Deposit HK$11.91M · loan HK$17.87M · min. income ≈ HK$173,176/mo (50% DSR)
Upfront cash ≈ HK$13.18M (deposit + AVD stamp duty HK$1,265,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,644
−HK$4,897/mo
▼ 0.25% · 3.875%
HK$93,075
−HK$2,466/mo
Today · 4.125%
HK$95,541
baseline
▲ 0.50% · 4.625%
HK$100,578
+HK$5,037/mo
Deposit HK$11.91M · loan HK$17.87M · min. income ≈ HK$191,082/mo (50% DSR)
Upfront cash ≈ HK$13.18M (deposit + AVD stamp duty HK$1,265,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,058
−HK$5,961/mo
▼ 0.25% · 3.875%
HK$98,015
−HK$3,004/mo
Today · 4.125%
HK$101,019
baseline
▲ 0.50% · 4.625%
HK$107,166
+HK$6,147/mo
Deposit HK$8.93M · loan HK$20.84M · min. income ≈ HK$202,038/mo (50% DSR)
Upfront cash ≈ HK$10.20M (deposit + AVD stamp duty HK$1,265,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,752
−HK$5,713/mo
▼ 0.25% · 3.875%
HK$108,588
−HK$2,877/mo
Today · 4.125%
HK$111,465
baseline
▲ 0.50% · 4.625%
HK$117,340
+HK$5,875/mo
Deposit HK$8.93M · loan HK$20.84M · min. income ≈ HK$222,930/mo (50% DSR)
Upfront cash ≈ HK$10.20M (deposit + AVD stamp duty HK$1,265,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,218
−HK$7,664/mo
▼ 0.25% · 3.875%
HK$126,020
−HK$3,862/mo
Today · 4.125%
HK$129,882
baseline
▲ 0.50% · 4.625%
HK$137,785
+HK$7,903/mo
Deposit HK$2.98M · loan HK$26.80M · min. income ≈ HK$259,764/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$1,265,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,966
−HK$7,346/mo
▼ 0.25% · 3.875%
HK$139,613
−HK$3,699/mo
Today · 4.125%
HK$143,312
baseline
▲ 0.50% · 4.625%
HK$150,866
+HK$7,554/mo
Deposit HK$2.98M · loan HK$26.80M · min. income ≈ HK$286,624/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$1,265,517 · Scale 2, in force from 26 Feb 2026)