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$68,278
−HK$4,282/mo
▼ 0.25% · 3.875%
HK$70,402
−HK$2,158/mo
Today · 4.125%
HK$72,560
baseline
▲ 0.50% · 4.625%
HK$76,975
+HK$4,415/mo
Deposit HK$14.97M · loan HK$14.97M · min. income ≈ HK$145,120/mo (50% DSR)
Upfront cash ≈ HK$16.24M (deposit + AVD stamp duty HK$1,272,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,959
−HK$4,104/mo
▼ 0.25% · 3.875%
HK$77,996
−HK$2,067/mo
Today · 4.125%
HK$80,063
baseline
▲ 0.50% · 4.625%
HK$84,283
+HK$4,220/mo
Deposit HK$14.97M · loan HK$14.97M · min. income ≈ HK$160,126/mo (50% DSR)
Upfront cash ≈ HK$16.24M (deposit + AVD stamp duty HK$1,272,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,934
−HK$5,138/mo
▼ 0.25% · 3.875%
HK$84,483
−HK$2,589/mo
Today · 4.125%
HK$87,072
baseline
▲ 0.50% · 4.625%
HK$92,370
+HK$5,298/mo
Deposit HK$11.98M · loan HK$17.97M · min. income ≈ HK$174,144/mo (50% DSR)
Upfront cash ≈ HK$13.25M (deposit + AVD stamp duty HK$1,272,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,151
−HK$4,924/mo
▼ 0.25% · 3.875%
HK$93,595
−HK$2,480/mo
Today · 4.125%
HK$96,075
baseline
▲ 0.50% · 4.625%
HK$101,140
+HK$5,065/mo
Deposit HK$11.98M · loan HK$17.97M · min. income ≈ HK$192,150/mo (50% DSR)
Upfront cash ≈ HK$13.25M (deposit + AVD stamp duty HK$1,272,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,590
−HK$5,994/mo
▼ 0.25% · 3.875%
HK$98,563
−HK$3,021/mo
Today · 4.125%
HK$101,584
baseline
▲ 0.50% · 4.625%
HK$107,765
+HK$6,181/mo
Deposit HK$8.98M · loan HK$20.96M · min. income ≈ HK$203,168/mo (50% DSR)
Upfront cash ≈ HK$10.26M (deposit + AVD stamp duty HK$1,272,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,343
−HK$5,745/mo
▼ 0.25% · 3.875%
HK$109,195
−HK$2,893/mo
Today · 4.125%
HK$112,088
baseline
▲ 0.50% · 4.625%
HK$117,996
+HK$5,908/mo
Deposit HK$8.98M · loan HK$20.96M · min. income ≈ HK$224,176/mo (50% DSR)
Upfront cash ≈ HK$10.26M (deposit + AVD stamp duty HK$1,272,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,901
−HK$7,707/mo
▼ 0.25% · 3.875%
HK$126,724
−HK$3,884/mo
Today · 4.125%
HK$130,608
baseline
▲ 0.50% · 4.625%
HK$138,555
+HK$7,947/mo
Deposit HK$2.99M · loan HK$26.95M · min. income ≈ HK$261,216/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$1,272,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,726
−HK$7,387/mo
▼ 0.25% · 3.875%
HK$140,393
−HK$3,720/mo
Today · 4.125%
HK$144,113
baseline
▲ 0.50% · 4.625%
HK$151,710
+HK$7,597/mo
Deposit HK$2.99M · loan HK$26.95M · min. income ≈ HK$288,226/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$1,272,590 · Scale 2, in force from 26 Feb 2026)