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$66,774
−HK$4,187/mo
▼ 0.25% · 3.875%
HK$68,851
−HK$2,110/mo
Today · 4.125%
HK$70,961
baseline
▲ 0.50% · 4.625%
HK$75,279
+HK$4,318/mo
Deposit HK$14.64M · loan HK$14.64M · min. income ≈ HK$141,922/mo (50% DSR)
Upfront cash ≈ HK$15.89M (deposit + AVD stamp duty HK$1,244,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,285
−HK$4,013/mo
▼ 0.25% · 3.875%
HK$76,277
−HK$2,021/mo
Today · 4.125%
HK$78,298
baseline
▲ 0.50% · 4.625%
HK$82,425
+HK$4,127/mo
Deposit HK$14.64M · loan HK$14.64M · min. income ≈ HK$156,596/mo (50% DSR)
Upfront cash ≈ HK$15.89M (deposit + AVD stamp duty HK$1,244,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,128
−HK$5,025/mo
▼ 0.25% · 3.875%
HK$82,621
−HK$2,532/mo
Today · 4.125%
HK$85,153
baseline
▲ 0.50% · 4.625%
HK$90,334
+HK$5,181/mo
Deposit HK$11.71M · loan HK$17.57M · min. income ≈ HK$170,306/mo (50% DSR)
Upfront cash ≈ HK$12.96M (deposit + AVD stamp duty HK$1,244,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,142
−HK$4,816/mo
▼ 0.25% · 3.875%
HK$91,533
−HK$2,425/mo
Today · 4.125%
HK$93,958
baseline
▲ 0.50% · 4.625%
HK$98,911
+HK$4,953/mo
Deposit HK$11.71M · loan HK$17.57M · min. income ≈ HK$187,916/mo (50% DSR)
Upfront cash ≈ HK$12.96M (deposit + AVD stamp duty HK$1,244,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,483
−HK$5,862/mo
▼ 0.25% · 3.875%
HK$96,391
−HK$2,954/mo
Today · 4.125%
HK$99,345
baseline
▲ 0.50% · 4.625%
HK$105,390
+HK$6,045/mo
Deposit HK$8.79M · loan HK$20.50M · min. income ≈ HK$198,690/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$1,244,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,999
−HK$5,619/mo
▼ 0.25% · 3.875%
HK$106,788
−HK$2,830/mo
Today · 4.125%
HK$109,618
baseline
▲ 0.50% · 4.625%
HK$115,396
+HK$5,778/mo
Deposit HK$8.79M · loan HK$20.50M · min. income ≈ HK$219,236/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$1,244,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,192
−HK$7,537/mo
▼ 0.25% · 3.875%
HK$123,931
−HK$3,798/mo
Today · 4.125%
HK$127,729
baseline
▲ 0.50% · 4.625%
HK$135,501
+HK$7,772/mo
Deposit HK$2.93M · loan HK$26.36M · min. income ≈ HK$255,458/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$1,244,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,713
−HK$7,224/mo
▼ 0.25% · 3.875%
HK$137,299
−HK$3,638/mo
Today · 4.125%
HK$140,937
baseline
▲ 0.50% · 4.625%
HK$148,366
+HK$7,429/mo
Deposit HK$2.93M · loan HK$26.36M · min. income ≈ HK$281,874/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$1,244,542 · Scale 2, in force from 26 Feb 2026)