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$66,450
−HK$4,167/mo
▼ 0.25% · 3.875%
HK$68,517
−HK$2,100/mo
Today · 4.125%
HK$70,617
baseline
▲ 0.50% · 4.625%
HK$74,914
+HK$4,297/mo
Deposit HK$14.57M · loan HK$14.57M · min. income ≈ HK$141,234/mo (50% DSR)
Upfront cash ≈ HK$15.81M (deposit + AVD stamp duty HK$1,238,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,925
−HK$3,994/mo
▼ 0.25% · 3.875%
HK$75,908
−HK$2,011/mo
Today · 4.125%
HK$77,919
baseline
▲ 0.50% · 4.625%
HK$82,026
+HK$4,107/mo
Deposit HK$14.57M · loan HK$14.57M · min. income ≈ HK$155,838/mo (50% DSR)
Upfront cash ≈ HK$15.81M (deposit + AVD stamp duty HK$1,238,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,740
−HK$5,001/mo
▼ 0.25% · 3.875%
HK$82,221
−HK$2,520/mo
Today · 4.125%
HK$84,741
baseline
▲ 0.50% · 4.625%
HK$89,897
+HK$5,156/mo
Deposit HK$11.66M · loan HK$17.48M · min. income ≈ HK$169,482/mo (50% DSR)
Upfront cash ≈ HK$12.90M (deposit + AVD stamp duty HK$1,238,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,710
−HK$4,793/mo
▼ 0.25% · 3.875%
HK$91,090
−HK$2,413/mo
Today · 4.125%
HK$93,503
baseline
▲ 0.50% · 4.625%
HK$98,432
+HK$4,929/mo
Deposit HK$11.66M · loan HK$17.48M · min. income ≈ HK$187,006/mo (50% DSR)
Upfront cash ≈ HK$12.90M (deposit + AVD stamp duty HK$1,238,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,030
−HK$5,834/mo
▼ 0.25% · 3.875%
HK$95,924
−HK$2,940/mo
Today · 4.125%
HK$98,864
baseline
▲ 0.50% · 4.625%
HK$104,880
+HK$6,016/mo
Deposit HK$8.74M · loan HK$20.40M · min. income ≈ HK$197,728/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$1,238,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,495
−HK$5,592/mo
▼ 0.25% · 3.875%
HK$106,271
−HK$2,816/mo
Today · 4.125%
HK$109,087
baseline
▲ 0.50% · 4.625%
HK$114,837
+HK$5,750/mo
Deposit HK$8.74M · loan HK$20.40M · min. income ≈ HK$218,174/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$1,238,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,611
−HK$7,500/mo
▼ 0.25% · 3.875%
HK$123,331
−HK$3,780/mo
Today · 4.125%
HK$127,111
baseline
▲ 0.50% · 4.625%
HK$134,846
+HK$7,735/mo
Deposit HK$2.91M · loan HK$26.23M · min. income ≈ HK$254,222/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$1,238,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,066
−HK$7,189/mo
▼ 0.25% · 3.875%
HK$136,634
−HK$3,621/mo
Today · 4.125%
HK$140,255
baseline
▲ 0.50% · 4.625%
HK$147,648
+HK$7,393/mo
Deposit HK$2.91M · loan HK$26.23M · min. income ≈ HK$280,510/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$1,238,518 · Scale 2, in force from 26 Feb 2026)