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$67,469
−HK$4,231/mo
▼ 0.25% · 3.875%
HK$69,568
−HK$2,132/mo
Today · 4.125%
HK$71,700
baseline
▲ 0.50% · 4.625%
HK$76,063
+HK$4,363/mo
Deposit HK$14.79M · loan HK$14.79M · min. income ≈ HK$143,400/mo (50% DSR)
Upfront cash ≈ HK$16.05M (deposit + AVD stamp duty HK$1,257,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,059
−HK$4,055/mo
▼ 0.25% · 3.875%
HK$77,072
−HK$2,042/mo
Today · 4.125%
HK$79,114
baseline
▲ 0.50% · 4.625%
HK$83,284
+HK$4,170/mo
Deposit HK$14.79M · loan HK$14.79M · min. income ≈ HK$158,228/mo (50% DSR)
Upfront cash ≈ HK$16.05M (deposit + AVD stamp duty HK$1,257,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,963
−HK$5,077/mo
▼ 0.25% · 3.875%
HK$83,481
−HK$2,559/mo
Today · 4.125%
HK$86,040
baseline
▲ 0.50% · 4.625%
HK$91,275
+HK$5,235/mo
Deposit HK$11.84M · loan HK$17.75M · min. income ≈ HK$172,080/mo (50% DSR)
Upfront cash ≈ HK$13.09M (deposit + AVD stamp duty HK$1,257,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,070
−HK$4,866/mo
▼ 0.25% · 3.875%
HK$92,486
−HK$2,450/mo
Today · 4.125%
HK$94,936
baseline
▲ 0.50% · 4.625%
HK$99,941
+HK$5,005/mo
Deposit HK$11.84M · loan HK$17.75M · min. income ≈ HK$189,872/mo (50% DSR)
Upfront cash ≈ HK$13.09M (deposit + AVD stamp duty HK$1,257,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,457
−HK$5,923/mo
▼ 0.25% · 3.875%
HK$97,395
−HK$2,985/mo
Today · 4.125%
HK$100,380
baseline
▲ 0.50% · 4.625%
HK$106,488
+HK$6,108/mo
Deposit HK$8.88M · loan HK$20.71M · min. income ≈ HK$200,760/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$1,257,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,082
−HK$5,677/mo
▼ 0.25% · 3.875%
HK$107,900
−HK$2,859/mo
Today · 4.125%
HK$110,759
baseline
▲ 0.50% · 4.625%
HK$116,597
+HK$5,838/mo
Deposit HK$8.88M · loan HK$20.71M · min. income ≈ HK$221,518/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$1,257,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,444
−HK$7,616/mo
▼ 0.25% · 3.875%
HK$125,222
−HK$3,838/mo
Today · 4.125%
HK$129,060
baseline
▲ 0.50% · 4.625%
HK$136,913
+HK$7,853/mo
Deposit HK$2.96M · loan HK$26.63M · min. income ≈ HK$258,120/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$1,257,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,105
−HK$7,300/mo
▼ 0.25% · 3.875%
HK$138,729
−HK$3,676/mo
Today · 4.125%
HK$142,405
baseline
▲ 0.50% · 4.625%
HK$149,911
+HK$7,506/mo
Deposit HK$2.96M · loan HK$26.63M · min. income ≈ HK$284,810/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$1,257,504 · Scale 2, in force from 26 Feb 2026)