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$67,054
−HK$4,205/mo
▼ 0.25% · 3.875%
HK$69,140
−HK$2,119/mo
Today · 4.125%
HK$71,259
baseline
▲ 0.50% · 4.625%
HK$75,595
+HK$4,336/mo
Deposit HK$14.70M · loan HK$14.70M · min. income ≈ HK$142,518/mo (50% DSR)
Upfront cash ≈ HK$15.95M (deposit + AVD stamp duty HK$1,249,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,597
−HK$4,031/mo
▼ 0.25% · 3.875%
HK$76,598
−HK$2,030/mo
Today · 4.125%
HK$78,628
baseline
▲ 0.50% · 4.625%
HK$82,772
+HK$4,144/mo
Deposit HK$14.70M · loan HK$14.70M · min. income ≈ HK$157,256/mo (50% DSR)
Upfront cash ≈ HK$15.95M (deposit + AVD stamp duty HK$1,249,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,465
−HK$5,046/mo
▼ 0.25% · 3.875%
HK$82,968
−HK$2,543/mo
Today · 4.125%
HK$85,511
baseline
▲ 0.50% · 4.625%
HK$90,714
+HK$5,203/mo
Deposit HK$11.76M · loan HK$17.64M · min. income ≈ HK$171,022/mo (50% DSR)
Upfront cash ≈ HK$13.01M (deposit + AVD stamp duty HK$1,249,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,517
−HK$4,836/mo
▼ 0.25% · 3.875%
HK$91,918
−HK$2,435/mo
Today · 4.125%
HK$94,353
baseline
▲ 0.50% · 4.625%
HK$99,327
+HK$4,974/mo
Deposit HK$11.76M · loan HK$17.64M · min. income ≈ HK$188,706/mo (50% DSR)
Upfront cash ≈ HK$13.01M (deposit + AVD stamp duty HK$1,249,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,876
−HK$5,887/mo
▼ 0.25% · 3.875%
HK$96,796
−HK$2,967/mo
Today · 4.125%
HK$99,763
baseline
▲ 0.50% · 4.625%
HK$105,833
+HK$6,070/mo
Deposit HK$8.82M · loan HK$20.58M · min. income ≈ HK$199,526/mo (50% DSR)
Upfront cash ≈ HK$10.07M (deposit + AVD stamp duty HK$1,249,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,436
−HK$5,643/mo
▼ 0.25% · 3.875%
HK$107,237
−HK$2,842/mo
Today · 4.125%
HK$110,079
baseline
▲ 0.50% · 4.625%
HK$115,881
+HK$5,802/mo
Deposit HK$8.82M · loan HK$20.58M · min. income ≈ HK$220,158/mo (50% DSR)
Upfront cash ≈ HK$10.07M (deposit + AVD stamp duty HK$1,249,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,698
−HK$7,569/mo
▼ 0.25% · 3.875%
HK$124,452
−HK$3,815/mo
Today · 4.125%
HK$128,267
baseline
▲ 0.50% · 4.625%
HK$136,072
+HK$7,805/mo
Deposit HK$2.94M · loan HK$26.47M · min. income ≈ HK$256,534/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$1,249,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,275
−HK$7,255/mo
▼ 0.25% · 3.875%
HK$137,876
−HK$3,654/mo
Today · 4.125%
HK$141,530
baseline
▲ 0.50% · 4.625%
HK$148,990
+HK$7,460/mo
Deposit HK$2.94M · loan HK$26.47M · min. income ≈ HK$283,060/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$1,249,778 · Scale 2, in force from 26 Feb 2026)