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$67,537
−HK$4,235/mo
▼ 0.25% · 3.875%
HK$69,637
−HK$2,135/mo
Today · 4.125%
HK$71,772
baseline
▲ 0.50% · 4.625%
HK$76,139
+HK$4,367/mo
Deposit HK$14.81M · loan HK$14.81M · min. income ≈ HK$143,544/mo (50% DSR)
Upfront cash ≈ HK$16.07M (deposit + AVD stamp duty HK$1,258,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,134
−HK$4,059/mo
▼ 0.25% · 3.875%
HK$77,149
−HK$2,044/mo
Today · 4.125%
HK$79,193
baseline
▲ 0.50% · 4.625%
HK$83,367
+HK$4,174/mo
Deposit HK$14.81M · loan HK$14.81M · min. income ≈ HK$158,386/mo (50% DSR)
Upfront cash ≈ HK$16.07M (deposit + AVD stamp duty HK$1,258,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,044
−HK$5,082/mo
▼ 0.25% · 3.875%
HK$83,565
−HK$2,561/mo
Today · 4.125%
HK$86,126
baseline
▲ 0.50% · 4.625%
HK$91,367
+HK$5,241/mo
Deposit HK$11.85M · loan HK$17.77M · min. income ≈ HK$172,252/mo (50% DSR)
Upfront cash ≈ HK$13.11M (deposit + AVD stamp duty HK$1,258,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,161
−HK$4,871/mo
▼ 0.25% · 3.875%
HK$92,579
−HK$2,453/mo
Today · 4.125%
HK$95,032
baseline
▲ 0.50% · 4.625%
HK$100,041
+HK$5,009/mo
Deposit HK$11.85M · loan HK$17.77M · min. income ≈ HK$190,064/mo (50% DSR)
Upfront cash ≈ HK$13.11M (deposit + AVD stamp duty HK$1,258,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,551
−HK$5,930/mo
▼ 0.25% · 3.875%
HK$97,492
−HK$2,989/mo
Today · 4.125%
HK$100,481
baseline
▲ 0.50% · 4.625%
HK$106,595
+HK$6,114/mo
Deposit HK$8.89M · loan HK$20.73M · min. income ≈ HK$200,962/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$1,258,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,187
−HK$5,683/mo
▼ 0.25% · 3.875%
HK$108,008
−HK$2,862/mo
Today · 4.125%
HK$110,870
baseline
▲ 0.50% · 4.625%
HK$116,714
+HK$5,844/mo
Deposit HK$8.89M · loan HK$20.73M · min. income ≈ HK$221,740/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$1,258,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,566
−HK$7,623/mo
▼ 0.25% · 3.875%
HK$125,347
−HK$3,842/mo
Today · 4.125%
HK$129,189
baseline
▲ 0.50% · 4.625%
HK$137,050
+HK$7,861/mo
Deposit HK$2.96M · loan HK$26.66M · min. income ≈ HK$258,378/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$1,258,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,241
−HK$7,307/mo
▼ 0.25% · 3.875%
HK$138,868
−HK$3,680/mo
Today · 4.125%
HK$142,548
baseline
▲ 0.50% · 4.625%
HK$150,061
+HK$7,513/mo
Deposit HK$2.96M · loan HK$26.66M · min. income ≈ HK$285,096/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$1,258,766 · Scale 2, in force from 26 Feb 2026)