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$68,005
−HK$4,264/mo
▼ 0.25% · 3.875%
HK$70,120
−HK$2,149/mo
Today · 4.125%
HK$72,269
baseline
▲ 0.50% · 4.625%
HK$76,666
+HK$4,397/mo
Deposit HK$14.91M · loan HK$14.91M · min. income ≈ HK$144,538/mo (50% DSR)
Upfront cash ≈ HK$16.18M (deposit + AVD stamp duty HK$1,267,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,654
−HK$4,088/mo
▼ 0.25% · 3.875%
HK$77,683
−HK$2,059/mo
Today · 4.125%
HK$79,742
baseline
▲ 0.50% · 4.625%
HK$83,945
+HK$4,203/mo
Deposit HK$14.91M · loan HK$14.91M · min. income ≈ HK$159,484/mo (50% DSR)
Upfront cash ≈ HK$16.18M (deposit + AVD stamp duty HK$1,267,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,605
−HK$5,118/mo
▼ 0.25% · 3.875%
HK$84,144
−HK$2,579/mo
Today · 4.125%
HK$86,723
baseline
▲ 0.50% · 4.625%
HK$92,000
+HK$5,277/mo
Deposit HK$11.93M · loan HK$17.89M · min. income ≈ HK$173,446/mo (50% DSR)
Upfront cash ≈ HK$13.20M (deposit + AVD stamp duty HK$1,267,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,785
−HK$4,905/mo
▼ 0.25% · 3.875%
HK$93,220
−HK$2,470/mo
Today · 4.125%
HK$95,690
baseline
▲ 0.50% · 4.625%
HK$100,734
+HK$5,044/mo
Deposit HK$11.93M · loan HK$17.89M · min. income ≈ HK$191,380/mo (50% DSR)
Upfront cash ≈ HK$13.20M (deposit + AVD stamp duty HK$1,267,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,206
−HK$5,971/mo
▼ 0.25% · 3.875%
HK$98,168
−HK$3,009/mo
Today · 4.125%
HK$101,177
baseline
▲ 0.50% · 4.625%
HK$107,333
+HK$6,156/mo
Deposit HK$8.95M · loan HK$20.88M · min. income ≈ HK$202,354/mo (50% DSR)
Upfront cash ≈ HK$10.21M (deposit + AVD stamp duty HK$1,267,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,916
−HK$5,722/mo
▼ 0.25% · 3.875%
HK$108,757
−HK$2,881/mo
Today · 4.125%
HK$111,638
baseline
▲ 0.50% · 4.625%
HK$117,523
+HK$5,885/mo
Deposit HK$8.95M · loan HK$20.88M · min. income ≈ HK$223,276/mo (50% DSR)
Upfront cash ≈ HK$10.21M (deposit + AVD stamp duty HK$1,267,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,408
−HK$7,676/mo
▼ 0.25% · 3.875%
HK$126,216
−HK$3,868/mo
Today · 4.125%
HK$130,084
baseline
▲ 0.50% · 4.625%
HK$138,000
+HK$7,916/mo
Deposit HK$2.98M · loan HK$26.84M · min. income ≈ HK$260,168/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$1,267,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,178
−HK$7,357/mo
▼ 0.25% · 3.875%
HK$139,830
−HK$3,705/mo
Today · 4.125%
HK$143,535
baseline
▲ 0.50% · 4.625%
HK$151,101
+HK$7,566/mo
Deposit HK$2.98M · loan HK$26.84M · min. income ≈ HK$287,070/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$1,267,486 · Scale 2, in force from 26 Feb 2026)