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$67,653
−HK$4,242/mo
▼ 0.25% · 3.875%
HK$69,757
−HK$2,138/mo
Today · 4.125%
HK$71,895
baseline
▲ 0.50% · 4.625%
HK$76,270
+HK$4,375/mo
Deposit HK$14.83M · loan HK$14.83M · min. income ≈ HK$143,790/mo (50% DSR)
Upfront cash ≈ HK$16.10M (deposit + AVD stamp duty HK$1,260,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,263
−HK$4,066/mo
▼ 0.25% · 3.875%
HK$77,281
−HK$2,048/mo
Today · 4.125%
HK$79,329
baseline
▲ 0.50% · 4.625%
HK$83,511
+HK$4,182/mo
Deposit HK$14.83M · loan HK$14.83M · min. income ≈ HK$158,658/mo (50% DSR)
Upfront cash ≈ HK$16.10M (deposit + AVD stamp duty HK$1,260,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,183
−HK$5,091/mo
▼ 0.25% · 3.875%
HK$83,709
−HK$2,565/mo
Today · 4.125%
HK$86,274
baseline
▲ 0.50% · 4.625%
HK$91,524
+HK$5,250/mo
Deposit HK$11.87M · loan HK$17.80M · min. income ≈ HK$172,548/mo (50% DSR)
Upfront cash ≈ HK$13.13M (deposit + AVD stamp duty HK$1,260,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,316
−HK$4,879/mo
▼ 0.25% · 3.875%
HK$92,738
−HK$2,457/mo
Today · 4.125%
HK$95,195
baseline
▲ 0.50% · 4.625%
HK$100,213
+HK$5,018/mo
Deposit HK$11.87M · loan HK$17.80M · min. income ≈ HK$190,390/mo (50% DSR)
Upfront cash ≈ HK$13.13M (deposit + AVD stamp duty HK$1,260,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,714
−HK$5,939/mo
▼ 0.25% · 3.875%
HK$97,660
−HK$2,993/mo
Today · 4.125%
HK$100,653
baseline
▲ 0.50% · 4.625%
HK$106,778
+HK$6,125/mo
Deposit HK$8.90M · loan HK$20.77M · min. income ≈ HK$201,306/mo (50% DSR)
Upfront cash ≈ HK$10.16M (deposit + AVD stamp duty HK$1,260,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,368
−HK$5,693/mo
▼ 0.25% · 3.875%
HK$108,194
−HK$2,867/mo
Today · 4.125%
HK$111,061
baseline
▲ 0.50% · 4.625%
HK$116,915
+HK$5,854/mo
Deposit HK$8.90M · loan HK$20.77M · min. income ≈ HK$222,122/mo (50% DSR)
Upfront cash ≈ HK$10.16M (deposit + AVD stamp duty HK$1,260,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,775
−HK$7,636/mo
▼ 0.25% · 3.875%
HK$125,563
−HK$3,848/mo
Today · 4.125%
HK$129,411
baseline
▲ 0.50% · 4.625%
HK$137,286
+HK$7,875/mo
Deposit HK$2.97M · loan HK$26.70M · min. income ≈ HK$258,822/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$1,260,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,473
−HK$7,320/mo
▼ 0.25% · 3.875%
HK$139,107
−HK$3,686/mo
Today · 4.125%
HK$142,793
baseline
▲ 0.50% · 4.625%
HK$150,319
+HK$7,526/mo
Deposit HK$2.97M · loan HK$26.70M · min. income ≈ HK$285,586/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$1,260,929 · Scale 2, in force from 26 Feb 2026)