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$68,054
−HK$4,268/mo
▼ 0.25% · 3.875%
HK$70,171
−HK$2,151/mo
Today · 4.125%
HK$72,322
baseline
▲ 0.50% · 4.625%
HK$76,723
+HK$4,401/mo
Deposit HK$14.92M · loan HK$14.92M · min. income ≈ HK$144,644/mo (50% DSR)
Upfront cash ≈ HK$16.19M (deposit + AVD stamp duty HK$1,268,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,710
−HK$4,090/mo
▼ 0.25% · 3.875%
HK$77,740
−HK$2,060/mo
Today · 4.125%
HK$79,800
baseline
▲ 0.50% · 4.625%
HK$84,007
+HK$4,207/mo
Deposit HK$14.92M · loan HK$14.92M · min. income ≈ HK$159,600/mo (50% DSR)
Upfront cash ≈ HK$16.19M (deposit + AVD stamp duty HK$1,268,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,665
−HK$5,121/mo
▼ 0.25% · 3.875%
HK$84,205
−HK$2,581/mo
Today · 4.125%
HK$86,786
baseline
▲ 0.50% · 4.625%
HK$92,067
+HK$5,281/mo
Deposit HK$11.94M · loan HK$17.91M · min. income ≈ HK$173,572/mo (50% DSR)
Upfront cash ≈ HK$13.21M (deposit + AVD stamp duty HK$1,268,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,852
−HK$4,908/mo
▼ 0.25% · 3.875%
HK$93,288
−HK$2,472/mo
Today · 4.125%
HK$95,760
baseline
▲ 0.50% · 4.625%
HK$100,808
+HK$5,048/mo
Deposit HK$11.94M · loan HK$17.91M · min. income ≈ HK$191,520/mo (50% DSR)
Upfront cash ≈ HK$13.21M (deposit + AVD stamp duty HK$1,268,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,276
−HK$5,975/mo
▼ 0.25% · 3.875%
HK$98,240
−HK$3,011/mo
Today · 4.125%
HK$101,251
baseline
▲ 0.50% · 4.625%
HK$107,412
+HK$6,161/mo
Deposit HK$8.95M · loan HK$20.89M · min. income ≈ HK$202,502/mo (50% DSR)
Upfront cash ≈ HK$10.22M (deposit + AVD stamp duty HK$1,268,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,994
−HK$5,726/mo
▼ 0.25% · 3.875%
HK$108,836
−HK$2,884/mo
Today · 4.125%
HK$111,720
baseline
▲ 0.50% · 4.625%
HK$117,609
+HK$5,889/mo
Deposit HK$8.95M · loan HK$20.89M · min. income ≈ HK$223,440/mo (50% DSR)
Upfront cash ≈ HK$10.22M (deposit + AVD stamp duty HK$1,268,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,498
−HK$7,682/mo
▼ 0.25% · 3.875%
HK$126,308
−HK$3,872/mo
Today · 4.125%
HK$130,180
baseline
▲ 0.50% · 4.625%
HK$138,101
+HK$7,921/mo
Deposit HK$2.98M · loan HK$26.86M · min. income ≈ HK$260,360/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$1,268,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,278
−HK$7,362/mo
▼ 0.25% · 3.875%
HK$139,933
−HK$3,707/mo
Today · 4.125%
HK$143,640
baseline
▲ 0.50% · 4.625%
HK$151,212
+HK$7,572/mo
Deposit HK$2.98M · loan HK$26.86M · min. income ≈ HK$287,280/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$1,268,415 · Scale 2, in force from 26 Feb 2026)