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$66,524
−HK$4,171/mo
▼ 0.25% · 3.875%
HK$68,593
−HK$2,102/mo
Today · 4.125%
HK$70,695
baseline
▲ 0.50% · 4.625%
HK$74,997
+HK$4,302/mo
Deposit HK$14.59M · loan HK$14.59M · min. income ≈ HK$141,390/mo (50% DSR)
Upfront cash ≈ HK$15.83M (deposit + AVD stamp duty HK$1,239,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,007
−HK$3,999/mo
▼ 0.25% · 3.875%
HK$75,992
−HK$2,014/mo
Today · 4.125%
HK$78,006
baseline
▲ 0.50% · 4.625%
HK$82,117
+HK$4,111/mo
Deposit HK$14.59M · loan HK$14.59M · min. income ≈ HK$156,012/mo (50% DSR)
Upfront cash ≈ HK$15.83M (deposit + AVD stamp duty HK$1,239,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,829
−HK$5,006/mo
▼ 0.25% · 3.875%
HK$82,312
−HK$2,523/mo
Today · 4.125%
HK$84,835
baseline
▲ 0.50% · 4.625%
HK$89,997
+HK$5,162/mo
Deposit HK$11.67M · loan HK$17.50M · min. income ≈ HK$169,670/mo (50% DSR)
Upfront cash ≈ HK$12.91M (deposit + AVD stamp duty HK$1,239,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,809
−HK$4,798/mo
▼ 0.25% · 3.875%
HK$91,190
−HK$2,417/mo
Today · 4.125%
HK$93,607
baseline
▲ 0.50% · 4.625%
HK$98,541
+HK$4,934/mo
Deposit HK$11.67M · loan HK$17.50M · min. income ≈ HK$187,214/mo (50% DSR)
Upfront cash ≈ HK$12.91M (deposit + AVD stamp duty HK$1,239,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,133
−HK$5,841/mo
▼ 0.25% · 3.875%
HK$96,030
−HK$2,944/mo
Today · 4.125%
HK$98,974
baseline
▲ 0.50% · 4.625%
HK$104,996
+HK$6,022/mo
Deposit HK$8.75M · loan HK$20.42M · min. income ≈ HK$197,948/mo (50% DSR)
Upfront cash ≈ HK$9.99M (deposit + AVD stamp duty HK$1,239,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,610
−HK$5,598/mo
▼ 0.25% · 3.875%
HK$106,389
−HK$2,819/mo
Today · 4.125%
HK$109,208
baseline
▲ 0.50% · 4.625%
HK$114,964
+HK$5,756/mo
Deposit HK$8.75M · loan HK$20.42M · min. income ≈ HK$218,416/mo (50% DSR)
Upfront cash ≈ HK$9.99M (deposit + AVD stamp duty HK$1,239,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,743
−HK$7,509/mo
▼ 0.25% · 3.875%
HK$123,468
−HK$3,784/mo
Today · 4.125%
HK$127,252
baseline
▲ 0.50% · 4.625%
HK$134,995
+HK$7,743/mo
Deposit HK$2.92M · loan HK$26.26M · min. income ≈ HK$254,504/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$1,239,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,213
−HK$7,197/mo
▼ 0.25% · 3.875%
HK$136,786
−HK$3,624/mo
Today · 4.125%
HK$140,410
baseline
▲ 0.50% · 4.625%
HK$147,811
+HK$7,401/mo
Deposit HK$2.92M · loan HK$26.26M · min. income ≈ HK$280,820/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$1,239,889 · Scale 2, in force from 26 Feb 2026)