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$68,000
−HK$4,265/mo
▼ 0.25% · 3.875%
HK$70,116
−HK$2,149/mo
Today · 4.125%
HK$72,265
baseline
▲ 0.50% · 4.625%
HK$76,662
+HK$4,397/mo
Deposit HK$14.91M · loan HK$14.91M · min. income ≈ HK$144,530/mo (50% DSR)
Upfront cash ≈ HK$16.18M (deposit + AVD stamp duty HK$1,267,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,650
−HK$4,087/mo
▼ 0.25% · 3.875%
HK$77,679
−HK$2,058/mo
Today · 4.125%
HK$79,737
baseline
▲ 0.50% · 4.625%
HK$83,940
+HK$4,203/mo
Deposit HK$14.91M · loan HK$14.91M · min. income ≈ HK$159,474/mo (50% DSR)
Upfront cash ≈ HK$16.18M (deposit + AVD stamp duty HK$1,267,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,601
−HK$5,117/mo
▼ 0.25% · 3.875%
HK$84,139
−HK$2,579/mo
Today · 4.125%
HK$86,718
baseline
▲ 0.50% · 4.625%
HK$91,994
+HK$5,276/mo
Deposit HK$11.93M · loan HK$17.89M · min. income ≈ HK$173,436/mo (50% DSR)
Upfront cash ≈ HK$13.20M (deposit + AVD stamp duty HK$1,267,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,780
−HK$4,904/mo
▼ 0.25% · 3.875%
HK$93,214
−HK$2,470/mo
Today · 4.125%
HK$95,684
baseline
▲ 0.50% · 4.625%
HK$100,728
+HK$5,044/mo
Deposit HK$11.93M · loan HK$17.89M · min. income ≈ HK$191,368/mo (50% DSR)
Upfront cash ≈ HK$13.20M (deposit + AVD stamp duty HK$1,267,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,201
−HK$5,970/mo
▼ 0.25% · 3.875%
HK$98,162
−HK$3,009/mo
Today · 4.125%
HK$101,171
baseline
▲ 0.50% · 4.625%
HK$107,327
+HK$6,156/mo
Deposit HK$8.95M · loan HK$20.87M · min. income ≈ HK$202,342/mo (50% DSR)
Upfront cash ≈ HK$10.21M (deposit + AVD stamp duty HK$1,267,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,910
−HK$5,722/mo
▼ 0.25% · 3.875%
HK$108,750
−HK$2,882/mo
Today · 4.125%
HK$111,632
baseline
▲ 0.50% · 4.625%
HK$117,516
+HK$5,884/mo
Deposit HK$8.95M · loan HK$20.87M · min. income ≈ HK$223,264/mo (50% DSR)
Upfront cash ≈ HK$10.21M (deposit + AVD stamp duty HK$1,267,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,401
−HK$7,675/mo
▼ 0.25% · 3.875%
HK$126,208
−HK$3,868/mo
Today · 4.125%
HK$130,076
baseline
▲ 0.50% · 4.625%
HK$137,991
+HK$7,915/mo
Deposit HK$2.98M · loan HK$26.84M · min. income ≈ HK$260,152/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$1,267,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,170
−HK$7,356/mo
▼ 0.25% · 3.875%
HK$139,822
−HK$3,704/mo
Today · 4.125%
HK$143,526
baseline
▲ 0.50% · 4.625%
HK$151,092
+HK$7,566/mo
Deposit HK$2.98M · loan HK$26.84M · min. income ≈ HK$287,052/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$1,267,410 · Scale 2, in force from 26 Feb 2026)