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$67,914
−HK$4,259/mo
▼ 0.25% · 3.875%
HK$70,026
−HK$2,147/mo
Today · 4.125%
HK$72,173
baseline
▲ 0.50% · 4.625%
HK$76,564
+HK$4,391/mo
Deposit HK$14.89M · loan HK$14.89M · min. income ≈ HK$144,346/mo (50% DSR)
Upfront cash ≈ HK$16.16M (deposit + AVD stamp duty HK$1,265,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,553
−HK$4,082/mo
▼ 0.25% · 3.875%
HK$77,580
−HK$2,055/mo
Today · 4.125%
HK$79,635
baseline
▲ 0.50% · 4.625%
HK$83,833
+HK$4,198/mo
Deposit HK$14.89M · loan HK$14.89M · min. income ≈ HK$159,270/mo (50% DSR)
Upfront cash ≈ HK$16.16M (deposit + AVD stamp duty HK$1,265,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,496
−HK$5,111/mo
▼ 0.25% · 3.875%
HK$84,031
−HK$2,576/mo
Today · 4.125%
HK$86,607
baseline
▲ 0.50% · 4.625%
HK$91,877
+HK$5,270/mo
Deposit HK$11.91M · loan HK$17.87M · min. income ≈ HK$173,214/mo (50% DSR)
Upfront cash ≈ HK$13.18M (deposit + AVD stamp duty HK$1,265,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,664
−HK$4,898/mo
▼ 0.25% · 3.875%
HK$93,096
−HK$2,466/mo
Today · 4.125%
HK$95,562
baseline
▲ 0.50% · 4.625%
HK$100,600
+HK$5,038/mo
Deposit HK$11.91M · loan HK$17.87M · min. income ≈ HK$191,124/mo (50% DSR)
Upfront cash ≈ HK$13.18M (deposit + AVD stamp duty HK$1,265,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,079
−HK$5,963/mo
▼ 0.25% · 3.875%
HK$98,037
−HK$3,005/mo
Today · 4.125%
HK$101,042
baseline
▲ 0.50% · 4.625%
HK$107,190
+HK$6,148/mo
Deposit HK$8.94M · loan HK$20.85M · min. income ≈ HK$202,084/mo (50% DSR)
Upfront cash ≈ HK$10.20M (deposit + AVD stamp duty HK$1,265,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,775
−HK$5,714/mo
▼ 0.25% · 3.875%
HK$108,612
−HK$2,877/mo
Today · 4.125%
HK$111,489
baseline
▲ 0.50% · 4.625%
HK$117,366
+HK$5,877/mo
Deposit HK$8.94M · loan HK$20.85M · min. income ≈ HK$222,978/mo (50% DSR)
Upfront cash ≈ HK$10.20M (deposit + AVD stamp duty HK$1,265,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,245
−HK$7,666/mo
▼ 0.25% · 3.875%
HK$126,047
−HK$3,864/mo
Today · 4.125%
HK$129,911
baseline
▲ 0.50% · 4.625%
HK$137,815
+HK$7,904/mo
Deposit HK$2.98M · loan HK$26.81M · min. income ≈ HK$259,822/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$1,265,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,996
−HK$7,347/mo
▼ 0.25% · 3.875%
HK$139,643
−HK$3,700/mo
Today · 4.125%
HK$143,343
baseline
▲ 0.50% · 4.625%
HK$150,899
+HK$7,556/mo
Deposit HK$2.98M · loan HK$26.81M · min. income ≈ HK$286,686/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$1,265,794 · Scale 2, in force from 26 Feb 2026)