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$66,708
−HK$4,183/mo
▼ 0.25% · 3.875%
HK$68,783
−HK$2,108/mo
Today · 4.125%
HK$70,891
baseline
▲ 0.50% · 4.625%
HK$75,205
+HK$4,314/mo
Deposit HK$14.63M · loan HK$14.63M · min. income ≈ HK$141,782/mo (50% DSR)
Upfront cash ≈ HK$15.87M (deposit + AVD stamp duty HK$1,243,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,212
−HK$4,010/mo
▼ 0.25% · 3.875%
HK$76,203
−HK$2,019/mo
Today · 4.125%
HK$78,222
baseline
▲ 0.50% · 4.625%
HK$82,345
+HK$4,123/mo
Deposit HK$14.63M · loan HK$14.63M · min. income ≈ HK$156,444/mo (50% DSR)
Upfront cash ≈ HK$15.87M (deposit + AVD stamp duty HK$1,243,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,050
−HK$5,020/mo
▼ 0.25% · 3.875%
HK$82,540
−HK$2,530/mo
Today · 4.125%
HK$85,070
baseline
▲ 0.50% · 4.625%
HK$90,246
+HK$5,176/mo
Deposit HK$11.70M · loan HK$17.55M · min. income ≈ HK$170,140/mo (50% DSR)
Upfront cash ≈ HK$12.95M (deposit + AVD stamp duty HK$1,243,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,055
−HK$4,811/mo
▼ 0.25% · 3.875%
HK$91,443
−HK$2,423/mo
Today · 4.125%
HK$93,866
baseline
▲ 0.50% · 4.625%
HK$98,814
+HK$4,948/mo
Deposit HK$11.70M · loan HK$17.55M · min. income ≈ HK$187,732/mo (50% DSR)
Upfront cash ≈ HK$12.95M (deposit + AVD stamp duty HK$1,243,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,392
−HK$5,856/mo
▼ 0.25% · 3.875%
HK$96,297
−HK$2,951/mo
Today · 4.125%
HK$99,248
baseline
▲ 0.50% · 4.625%
HK$105,287
+HK$6,039/mo
Deposit HK$8.78M · loan HK$20.48M · min. income ≈ HK$198,496/mo (50% DSR)
Upfront cash ≈ HK$10.02M (deposit + AVD stamp duty HK$1,243,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,897
−HK$5,613/mo
▼ 0.25% · 3.875%
HK$106,684
−HK$2,826/mo
Today · 4.125%
HK$109,510
baseline
▲ 0.50% · 4.625%
HK$115,283
+HK$5,773/mo
Deposit HK$8.78M · loan HK$20.48M · min. income ≈ HK$219,020/mo (50% DSR)
Upfront cash ≈ HK$10.02M (deposit + AVD stamp duty HK$1,243,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,075
−HK$7,530/mo
▼ 0.25% · 3.875%
HK$123,810
−HK$3,795/mo
Today · 4.125%
HK$127,605
baseline
▲ 0.50% · 4.625%
HK$135,369
+HK$7,764/mo
Deposit HK$2.93M · loan HK$26.33M · min. income ≈ HK$255,210/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$1,243,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,582
−HK$7,217/mo
▼ 0.25% · 3.875%
HK$137,165
−HK$3,634/mo
Today · 4.125%
HK$140,799
baseline
▲ 0.50% · 4.625%
HK$148,221
+HK$7,422/mo
Deposit HK$2.93M · loan HK$26.33M · min. income ≈ HK$281,598/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$1,243,326 · Scale 2, in force from 26 Feb 2026)