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$68,349
−HK$4,286/mo
▼ 0.25% · 3.875%
HK$70,475
−HK$2,160/mo
Today · 4.125%
HK$72,635
baseline
▲ 0.50% · 4.625%
HK$77,055
+HK$4,420/mo
Deposit HK$14.99M · loan HK$14.99M · min. income ≈ HK$145,270/mo (50% DSR)
Upfront cash ≈ HK$16.26M (deposit + AVD stamp duty HK$1,273,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,038
−HK$4,108/mo
▼ 0.25% · 3.875%
HK$78,077
−HK$2,069/mo
Today · 4.125%
HK$80,146
baseline
▲ 0.50% · 4.625%
HK$84,370
+HK$4,224/mo
Deposit HK$14.99M · loan HK$14.99M · min. income ≈ HK$160,292/mo (50% DSR)
Upfront cash ≈ HK$16.26M (deposit + AVD stamp duty HK$1,273,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,019
−HK$5,143/mo
▼ 0.25% · 3.875%
HK$84,570
−HK$2,592/mo
Today · 4.125%
HK$87,162
baseline
▲ 0.50% · 4.625%
HK$92,466
+HK$5,304/mo
Deposit HK$11.99M · loan HK$17.98M · min. income ≈ HK$174,324/mo (50% DSR)
Upfront cash ≈ HK$13.26M (deposit + AVD stamp duty HK$1,273,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,245
−HK$4,930/mo
▼ 0.25% · 3.875%
HK$93,692
−HK$2,483/mo
Today · 4.125%
HK$96,175
baseline
▲ 0.50% · 4.625%
HK$101,244
+HK$5,069/mo
Deposit HK$11.99M · loan HK$17.98M · min. income ≈ HK$192,350/mo (50% DSR)
Upfront cash ≈ HK$13.26M (deposit + AVD stamp duty HK$1,273,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,689
−HK$6,000/mo
▼ 0.25% · 3.875%
HK$98,665
−HK$3,024/mo
Today · 4.125%
HK$101,689
baseline
▲ 0.50% · 4.625%
HK$107,877
+HK$6,188/mo
Deposit HK$8.99M · loan HK$20.98M · min. income ≈ HK$203,378/mo (50% DSR)
Upfront cash ≈ HK$10.27M (deposit + AVD stamp duty HK$1,273,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,453
−HK$5,751/mo
▼ 0.25% · 3.875%
HK$109,308
−HK$2,896/mo
Today · 4.125%
HK$112,204
baseline
▲ 0.50% · 4.625%
HK$118,118
+HK$5,914/mo
Deposit HK$8.99M · loan HK$20.98M · min. income ≈ HK$224,408/mo (50% DSR)
Upfront cash ≈ HK$10.27M (deposit + AVD stamp duty HK$1,273,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,028
−HK$7,715/mo
▼ 0.25% · 3.875%
HK$126,855
−HK$3,888/mo
Today · 4.125%
HK$130,743
baseline
▲ 0.50% · 4.625%
HK$138,699
+HK$7,956/mo
Deposit HK$3.00M · loan HK$26.98M · min. income ≈ HK$261,486/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$1,273,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,868
−HK$7,394/mo
▼ 0.25% · 3.875%
HK$140,538
−HK$3,724/mo
Today · 4.125%
HK$144,262
baseline
▲ 0.50% · 4.625%
HK$151,867
+HK$7,605/mo
Deposit HK$3.00M · loan HK$26.98M · min. income ≈ HK$288,524/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$1,273,908 · Scale 2, in force from 26 Feb 2026)