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$67,305
−HK$4,221/mo
▼ 0.25% · 3.875%
HK$69,399
−HK$2,127/mo
Today · 4.125%
HK$71,526
baseline
▲ 0.50% · 4.625%
HK$75,878
+HK$4,352/mo
Deposit HK$14.76M · loan HK$14.76M · min. income ≈ HK$143,052/mo (50% DSR)
Upfront cash ≈ HK$16.01M (deposit + AVD stamp duty HK$1,254,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,876
−HK$4,046/mo
▼ 0.25% · 3.875%
HK$76,884
−HK$2,038/mo
Today · 4.125%
HK$78,922
baseline
▲ 0.50% · 4.625%
HK$83,082
+HK$4,160/mo
Deposit HK$14.76M · loan HK$14.76M · min. income ≈ HK$157,844/mo (50% DSR)
Upfront cash ≈ HK$16.01M (deposit + AVD stamp duty HK$1,254,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,766
−HK$5,065/mo
▼ 0.25% · 3.875%
HK$83,278
−HK$2,553/mo
Today · 4.125%
HK$85,831
baseline
▲ 0.50% · 4.625%
HK$91,053
+HK$5,222/mo
Deposit HK$11.81M · loan HK$17.71M · min. income ≈ HK$171,662/mo (50% DSR)
Upfront cash ≈ HK$13.06M (deposit + AVD stamp duty HK$1,254,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,851
−HK$4,855/mo
▼ 0.25% · 3.875%
HK$92,261
−HK$2,445/mo
Today · 4.125%
HK$94,706
baseline
▲ 0.50% · 4.625%
HK$99,698
+HK$4,992/mo
Deposit HK$11.81M · loan HK$17.71M · min. income ≈ HK$189,412/mo (50% DSR)
Upfront cash ≈ HK$13.06M (deposit + AVD stamp duty HK$1,254,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,227
−HK$5,909/mo
▼ 0.25% · 3.875%
HK$97,158
−HK$2,978/mo
Today · 4.125%
HK$100,136
baseline
▲ 0.50% · 4.625%
HK$106,229
+HK$6,093/mo
Deposit HK$8.85M · loan HK$20.66M · min. income ≈ HK$200,272/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$1,254,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,827
−HK$5,663/mo
▼ 0.25% · 3.875%
HK$107,638
−HK$2,852/mo
Today · 4.125%
HK$110,490
baseline
▲ 0.50% · 4.625%
HK$116,314
+HK$5,824/mo
Deposit HK$8.85M · loan HK$20.66M · min. income ≈ HK$220,980/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$1,254,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,149
−HK$7,597/mo
▼ 0.25% · 3.875%
HK$124,918
−HK$3,828/mo
Today · 4.125%
HK$128,746
baseline
▲ 0.50% · 4.625%
HK$136,580
+HK$7,834/mo
Deposit HK$2.95M · loan HK$26.56M · min. income ≈ HK$257,492/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$1,254,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,777
−HK$7,282/mo
▼ 0.25% · 3.875%
HK$138,392
−HK$3,667/mo
Today · 4.125%
HK$142,059
baseline
▲ 0.50% · 4.625%
HK$149,547
+HK$7,488/mo
Deposit HK$2.95M · loan HK$26.56M · min. income ≈ HK$284,118/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$1,254,450 · Scale 2, in force from 26 Feb 2026)