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$67,827
−HK$4,254/mo
▼ 0.25% · 3.875%
HK$69,937
−HK$2,144/mo
Today · 4.125%
HK$72,081
baseline
▲ 0.50% · 4.625%
HK$76,467
+HK$4,386/mo
Deposit HK$14.87M · loan HK$14.87M · min. income ≈ HK$144,162/mo (50% DSR)
Upfront cash ≈ HK$16.14M (deposit + AVD stamp duty HK$1,264,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,457
−HK$4,077/mo
▼ 0.25% · 3.875%
HK$77,481
−HK$2,053/mo
Today · 4.125%
HK$79,534
baseline
▲ 0.50% · 4.625%
HK$83,726
+HK$4,192/mo
Deposit HK$14.87M · loan HK$14.87M · min. income ≈ HK$159,068/mo (50% DSR)
Upfront cash ≈ HK$16.14M (deposit + AVD stamp duty HK$1,264,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,393
−HK$5,104/mo
▼ 0.25% · 3.875%
HK$83,925
−HK$2,572/mo
Today · 4.125%
HK$86,497
baseline
▲ 0.50% · 4.625%
HK$91,760
+HK$5,263/mo
Deposit HK$11.90M · loan HK$17.85M · min. income ≈ HK$172,994/mo (50% DSR)
Upfront cash ≈ HK$13.16M (deposit + AVD stamp duty HK$1,264,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,549
−HK$4,892/mo
▼ 0.25% · 3.875%
HK$92,977
−HK$2,464/mo
Today · 4.125%
HK$95,441
baseline
▲ 0.50% · 4.625%
HK$100,471
+HK$5,030/mo
Deposit HK$11.90M · loan HK$17.85M · min. income ≈ HK$190,882/mo (50% DSR)
Upfront cash ≈ HK$13.16M (deposit + AVD stamp duty HK$1,264,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,958
−HK$5,955/mo
▼ 0.25% · 3.875%
HK$97,912
−HK$3,001/mo
Today · 4.125%
HK$100,913
baseline
▲ 0.50% · 4.625%
HK$107,053
+HK$6,140/mo
Deposit HK$8.92M · loan HK$20.82M · min. income ≈ HK$201,826/mo (50% DSR)
Upfront cash ≈ HK$10.19M (deposit + AVD stamp duty HK$1,264,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,640
−HK$5,707/mo
▼ 0.25% · 3.875%
HK$108,473
−HK$2,874/mo
Today · 4.125%
HK$111,347
baseline
▲ 0.50% · 4.625%
HK$117,217
+HK$5,870/mo
Deposit HK$8.92M · loan HK$20.82M · min. income ≈ HK$222,694/mo (50% DSR)
Upfront cash ≈ HK$10.19M (deposit + AVD stamp duty HK$1,264,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,089
−HK$7,656/mo
▼ 0.25% · 3.875%
HK$125,887
−HK$3,858/mo
Today · 4.125%
HK$129,745
baseline
▲ 0.50% · 4.625%
HK$137,640
+HK$7,895/mo
Deposit HK$2.97M · loan HK$26.77M · min. income ≈ HK$259,490/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$1,264,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,823
−HK$7,338/mo
▼ 0.25% · 3.875%
HK$139,466
−HK$3,695/mo
Today · 4.125%
HK$143,161
baseline
▲ 0.50% · 4.625%
HK$150,707
+HK$7,546/mo
Deposit HK$2.97M · loan HK$26.77M · min. income ≈ HK$286,322/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$1,264,183 · Scale 2, in force from 26 Feb 2026)