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$67,173
−HK$4,212/mo
▼ 0.25% · 3.875%
HK$69,262
−HK$2,123/mo
Today · 4.125%
HK$71,385
baseline
▲ 0.50% · 4.625%
HK$75,729
+HK$4,344/mo
Deposit HK$14.73M · loan HK$14.73M · min. income ≈ HK$142,770/mo (50% DSR)
Upfront cash ≈ HK$15.98M (deposit + AVD stamp duty HK$1,251,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,729
−HK$4,037/mo
▼ 0.25% · 3.875%
HK$76,733
−HK$2,033/mo
Today · 4.125%
HK$78,766
baseline
▲ 0.50% · 4.625%
HK$82,918
+HK$4,152/mo
Deposit HK$14.73M · loan HK$14.73M · min. income ≈ HK$157,532/mo (50% DSR)
Upfront cash ≈ HK$15.98M (deposit + AVD stamp duty HK$1,251,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,607
−HK$5,055/mo
▼ 0.25% · 3.875%
HK$83,115
−HK$2,547/mo
Today · 4.125%
HK$85,662
baseline
▲ 0.50% · 4.625%
HK$90,874
+HK$5,212/mo
Deposit HK$11.78M · loan HK$17.68M · min. income ≈ HK$171,324/mo (50% DSR)
Upfront cash ≈ HK$13.04M (deposit + AVD stamp duty HK$1,251,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,675
−HK$4,845/mo
▼ 0.25% · 3.875%
HK$92,080
−HK$2,440/mo
Today · 4.125%
HK$94,520
baseline
▲ 0.50% · 4.625%
HK$99,502
+HK$4,982/mo
Deposit HK$11.78M · loan HK$17.68M · min. income ≈ HK$189,040/mo (50% DSR)
Upfront cash ≈ HK$13.04M (deposit + AVD stamp duty HK$1,251,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,042
−HK$5,897/mo
▼ 0.25% · 3.875%
HK$96,967
−HK$2,972/mo
Today · 4.125%
HK$99,939
baseline
▲ 0.50% · 4.625%
HK$106,020
+HK$6,081/mo
Deposit HK$8.84M · loan HK$20.62M · min. income ≈ HK$199,878/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$1,251,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,621
−HK$5,652/mo
▼ 0.25% · 3.875%
HK$107,426
−HK$2,847/mo
Today · 4.125%
HK$110,273
baseline
▲ 0.50% · 4.625%
HK$116,086
+HK$5,813/mo
Deposit HK$8.84M · loan HK$20.62M · min. income ≈ HK$220,546/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$1,251,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,911
−HK$7,582/mo
▼ 0.25% · 3.875%
HK$124,672
−HK$3,821/mo
Today · 4.125%
HK$128,493
baseline
▲ 0.50% · 4.625%
HK$136,312
+HK$7,819/mo
Deposit HK$2.95M · loan HK$26.51M · min. income ≈ HK$256,986/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$1,251,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,512
−HK$7,267/mo
▼ 0.25% · 3.875%
HK$138,120
−HK$3,659/mo
Today · 4.125%
HK$141,779
baseline
▲ 0.50% · 4.625%
HK$149,253
+HK$7,474/mo
Deposit HK$2.95M · loan HK$26.51M · min. income ≈ HK$283,558/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$1,251,982 · Scale 2, in force from 26 Feb 2026)