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$68,328
−HK$4,285/mo
▼ 0.25% · 3.875%
HK$70,453
−HK$2,160/mo
Today · 4.125%
HK$72,613
baseline
▲ 0.50% · 4.625%
HK$77,031
+HK$4,418/mo
Deposit HK$14.98M · loan HK$14.98M · min. income ≈ HK$145,226/mo (50% DSR)
Upfront cash ≈ HK$16.26M (deposit + AVD stamp duty HK$1,273,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,014
−HK$4,107/mo
▼ 0.25% · 3.875%
HK$78,053
−HK$2,068/mo
Today · 4.125%
HK$80,121
baseline
▲ 0.50% · 4.625%
HK$84,344
+HK$4,223/mo
Deposit HK$14.98M · loan HK$14.98M · min. income ≈ HK$160,242/mo (50% DSR)
Upfront cash ≈ HK$16.26M (deposit + AVD stamp duty HK$1,273,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,993
−HK$5,142/mo
▼ 0.25% · 3.875%
HK$84,544
−HK$2,591/mo
Today · 4.125%
HK$87,135
baseline
▲ 0.50% · 4.625%
HK$92,437
+HK$5,302/mo
Deposit HK$11.99M · loan HK$17.98M · min. income ≈ HK$174,270/mo (50% DSR)
Upfront cash ≈ HK$13.26M (deposit + AVD stamp duty HK$1,273,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,217
−HK$4,928/mo
▼ 0.25% · 3.875%
HK$93,663
−HK$2,482/mo
Today · 4.125%
HK$96,145
baseline
▲ 0.50% · 4.625%
HK$101,213
+HK$5,068/mo
Deposit HK$11.99M · loan HK$17.98M · min. income ≈ HK$192,290/mo (50% DSR)
Upfront cash ≈ HK$13.26M (deposit + AVD stamp duty HK$1,273,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,659
−HK$5,999/mo
▼ 0.25% · 3.875%
HK$98,634
−HK$3,024/mo
Today · 4.125%
HK$101,658
baseline
▲ 0.50% · 4.625%
HK$107,843
+HK$6,185/mo
Deposit HK$8.99M · loan HK$20.98M · min. income ≈ HK$203,316/mo (50% DSR)
Upfront cash ≈ HK$10.26M (deposit + AVD stamp duty HK$1,273,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,420
−HK$5,749/mo
▼ 0.25% · 3.875%
HK$109,274
−HK$2,895/mo
Today · 4.125%
HK$112,169
baseline
▲ 0.50% · 4.625%
HK$118,082
+HK$5,913/mo
Deposit HK$8.99M · loan HK$20.98M · min. income ≈ HK$224,338/mo (50% DSR)
Upfront cash ≈ HK$10.26M (deposit + AVD stamp duty HK$1,273,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,990
−HK$7,713/mo
▼ 0.25% · 3.875%
HK$126,816
−HK$3,887/mo
Today · 4.125%
HK$130,703
baseline
▲ 0.50% · 4.625%
HK$138,656
+HK$7,953/mo
Deposit HK$3.00M · loan HK$26.97M · min. income ≈ HK$261,406/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$1,273,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,825
−HK$7,392/mo
▼ 0.25% · 3.875%
HK$140,495
−HK$3,722/mo
Today · 4.125%
HK$144,217
baseline
▲ 0.50% · 4.625%
HK$151,819
+HK$7,602/mo
Deposit HK$3.00M · loan HK$26.97M · min. income ≈ HK$288,434/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$1,273,511 · Scale 2, in force from 26 Feb 2026)