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$67,374
−HK$4,225/mo
▼ 0.25% · 3.875%
HK$69,469
−HK$2,130/mo
Today · 4.125%
HK$71,599
baseline
▲ 0.50% · 4.625%
HK$75,955
+HK$4,356/mo
Deposit HK$14.77M · loan HK$14.77M · min. income ≈ HK$143,198/mo (50% DSR)
Upfront cash ≈ HK$16.03M (deposit + AVD stamp duty HK$1,255,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,952
−HK$4,050/mo
▼ 0.25% · 3.875%
HK$76,963
−HK$2,039/mo
Today · 4.125%
HK$79,002
baseline
▲ 0.50% · 4.625%
HK$83,166
+HK$4,164/mo
Deposit HK$14.77M · loan HK$14.77M · min. income ≈ HK$158,004/mo (50% DSR)
Upfront cash ≈ HK$16.03M (deposit + AVD stamp duty HK$1,255,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,848
−HK$5,070/mo
▼ 0.25% · 3.875%
HK$83,363
−HK$2,555/mo
Today · 4.125%
HK$85,918
baseline
▲ 0.50% · 4.625%
HK$91,146
+HK$5,228/mo
Deposit HK$11.82M · loan HK$17.73M · min. income ≈ HK$171,836/mo (50% DSR)
Upfront cash ≈ HK$13.07M (deposit + AVD stamp duty HK$1,255,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,943
−HK$4,859/mo
▼ 0.25% · 3.875%
HK$92,355
−HK$2,447/mo
Today · 4.125%
HK$94,802
baseline
▲ 0.50% · 4.625%
HK$99,799
+HK$4,997/mo
Deposit HK$11.82M · loan HK$17.73M · min. income ≈ HK$189,604/mo (50% DSR)
Upfront cash ≈ HK$13.07M (deposit + AVD stamp duty HK$1,255,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,323
−HK$5,915/mo
▼ 0.25% · 3.875%
HK$97,257
−HK$2,981/mo
Today · 4.125%
HK$100,238
baseline
▲ 0.50% · 4.625%
HK$106,337
+HK$6,099/mo
Deposit HK$8.86M · loan HK$20.68M · min. income ≈ HK$200,476/mo (50% DSR)
Upfront cash ≈ HK$10.12M (deposit + AVD stamp duty HK$1,255,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,933
−HK$5,670/mo
▼ 0.25% · 3.875%
HK$107,748
−HK$2,855/mo
Today · 4.125%
HK$110,603
baseline
▲ 0.50% · 4.625%
HK$116,433
+HK$5,830/mo
Deposit HK$8.86M · loan HK$20.68M · min. income ≈ HK$221,206/mo (50% DSR)
Upfront cash ≈ HK$10.12M (deposit + AVD stamp duty HK$1,255,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,273
−HK$7,604/mo
▼ 0.25% · 3.875%
HK$125,045
−HK$3,832/mo
Today · 4.125%
HK$128,877
baseline
▲ 0.50% · 4.625%
HK$136,719
+HK$7,842/mo
Deposit HK$2.95M · loan HK$26.59M · min. income ≈ HK$257,754/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$1,255,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,914
−HK$7,289/mo
▼ 0.25% · 3.875%
HK$138,533
−HK$3,670/mo
Today · 4.125%
HK$142,203
baseline
▲ 0.50% · 4.625%
HK$149,699
+HK$7,496/mo
Deposit HK$2.95M · loan HK$26.59M · min. income ≈ HK$284,406/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$1,255,727 · Scale 2, in force from 26 Feb 2026)