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$66,779
−HK$4,188/mo
▼ 0.25% · 3.875%
HK$68,856
−HK$2,111/mo
Today · 4.125%
HK$70,967
baseline
▲ 0.50% · 4.625%
HK$75,285
+HK$4,318/mo
Deposit HK$14.64M · loan HK$14.64M · min. income ≈ HK$141,934/mo (50% DSR)
Upfront cash ≈ HK$15.89M (deposit + AVD stamp duty HK$1,244,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,291
−HK$4,014/mo
▼ 0.25% · 3.875%
HK$76,283
−HK$2,022/mo
Today · 4.125%
HK$78,305
baseline
▲ 0.50% · 4.625%
HK$82,432
+HK$4,127/mo
Deposit HK$14.64M · loan HK$14.64M · min. income ≈ HK$156,610/mo (50% DSR)
Upfront cash ≈ HK$15.89M (deposit + AVD stamp duty HK$1,244,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,135
−HK$5,025/mo
▼ 0.25% · 3.875%
HK$82,627
−HK$2,533/mo
Today · 4.125%
HK$85,160
baseline
▲ 0.50% · 4.625%
HK$90,342
+HK$5,182/mo
Deposit HK$11.71M · loan HK$17.57M · min. income ≈ HK$170,320/mo (50% DSR)
Upfront cash ≈ HK$12.96M (deposit + AVD stamp duty HK$1,244,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,149
−HK$4,817/mo
▼ 0.25% · 3.875%
HK$91,540
−HK$2,426/mo
Today · 4.125%
HK$93,966
baseline
▲ 0.50% · 4.625%
HK$98,919
+HK$4,953/mo
Deposit HK$11.71M · loan HK$17.57M · min. income ≈ HK$187,932/mo (50% DSR)
Upfront cash ≈ HK$12.96M (deposit + AVD stamp duty HK$1,244,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,491
−HK$5,862/mo
▼ 0.25% · 3.875%
HK$96,399
−HK$2,954/mo
Today · 4.125%
HK$99,353
baseline
▲ 0.50% · 4.625%
HK$105,399
+HK$6,046/mo
Deposit HK$8.79M · loan HK$20.50M · min. income ≈ HK$198,706/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$1,244,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,007
−HK$5,620/mo
▼ 0.25% · 3.875%
HK$106,797
−HK$2,830/mo
Today · 4.125%
HK$109,627
baseline
▲ 0.50% · 4.625%
HK$115,405
+HK$5,778/mo
Deposit HK$8.79M · loan HK$20.50M · min. income ≈ HK$219,254/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$1,244,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,202
−HK$7,538/mo
▼ 0.25% · 3.875%
HK$123,941
−HK$3,799/mo
Today · 4.125%
HK$127,740
baseline
▲ 0.50% · 4.625%
HK$135,513
+HK$7,773/mo
Deposit HK$2.93M · loan HK$26.36M · min. income ≈ HK$255,480/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$1,244,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,724
−HK$7,224/mo
▼ 0.25% · 3.875%
HK$137,310
−HK$3,638/mo
Today · 4.125%
HK$140,948
baseline
▲ 0.50% · 4.625%
HK$148,378
+HK$7,430/mo
Deposit HK$2.93M · loan HK$26.36M · min. income ≈ HK$281,896/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$1,244,644 · Scale 2, in force from 26 Feb 2026)