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$67,193
−HK$4,214/mo
▼ 0.25% · 3.875%
HK$69,283
−HK$2,124/mo
Today · 4.125%
HK$71,407
baseline
▲ 0.50% · 4.625%
HK$75,752
+HK$4,345/mo
Deposit HK$14.73M · loan HK$14.73M · min. income ≈ HK$142,814/mo (50% DSR)
Upfront cash ≈ HK$15.99M (deposit + AVD stamp duty HK$1,252,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,752
−HK$4,039/mo
▼ 0.25% · 3.875%
HK$76,757
−HK$2,034/mo
Today · 4.125%
HK$78,791
baseline
▲ 0.50% · 4.625%
HK$82,944
+HK$4,153/mo
Deposit HK$14.73M · loan HK$14.73M · min. income ≈ HK$157,582/mo (50% DSR)
Upfront cash ≈ HK$15.99M (deposit + AVD stamp duty HK$1,252,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,632
−HK$5,056/mo
▼ 0.25% · 3.875%
HK$83,140
−HK$2,548/mo
Today · 4.125%
HK$85,688
baseline
▲ 0.50% · 4.625%
HK$90,902
+HK$5,214/mo
Deposit HK$11.79M · loan HK$17.68M · min. income ≈ HK$171,376/mo (50% DSR)
Upfront cash ≈ HK$13.04M (deposit + AVD stamp duty HK$1,252,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,702
−HK$4,847/mo
▼ 0.25% · 3.875%
HK$92,108
−HK$2,441/mo
Today · 4.125%
HK$94,549
baseline
▲ 0.50% · 4.625%
HK$99,532
+HK$4,983/mo
Deposit HK$11.79M · loan HK$17.68M · min. income ≈ HK$189,098/mo (50% DSR)
Upfront cash ≈ HK$13.04M (deposit + AVD stamp duty HK$1,252,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,071
−HK$5,899/mo
▼ 0.25% · 3.875%
HK$96,997
−HK$2,973/mo
Today · 4.125%
HK$99,970
baseline
▲ 0.50% · 4.625%
HK$106,053
+HK$6,083/mo
Deposit HK$8.84M · loan HK$20.63M · min. income ≈ HK$199,940/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$1,252,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,653
−HK$5,654/mo
▼ 0.25% · 3.875%
HK$107,459
−HK$2,848/mo
Today · 4.125%
HK$110,307
baseline
▲ 0.50% · 4.625%
HK$116,121
+HK$5,814/mo
Deposit HK$8.84M · loan HK$20.63M · min. income ≈ HK$220,614/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$1,252,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,948
−HK$7,584/mo
▼ 0.25% · 3.875%
HK$124,710
−HK$3,822/mo
Today · 4.125%
HK$128,532
baseline
▲ 0.50% · 4.625%
HK$136,353
+HK$7,821/mo
Deposit HK$2.95M · loan HK$26.52M · min. income ≈ HK$257,064/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$1,252,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,553
−HK$7,270/mo
▼ 0.25% · 3.875%
HK$138,162
−HK$3,661/mo
Today · 4.125%
HK$141,823
baseline
▲ 0.50% · 4.625%
HK$149,299
+HK$7,476/mo
Deposit HK$2.95M · loan HK$26.52M · min. income ≈ HK$283,646/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$1,252,367 · Scale 2, in force from 26 Feb 2026)