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$66,725
−HK$4,185/mo
▼ 0.25% · 3.875%
HK$68,801
−HK$2,109/mo
Today · 4.125%
HK$70,910
baseline
▲ 0.50% · 4.625%
HK$75,224
+HK$4,314/mo
Deposit HK$14.63M · loan HK$14.63M · min. income ≈ HK$141,820/mo (50% DSR)
Upfront cash ≈ HK$15.87M (deposit + AVD stamp duty HK$1,243,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,231
−HK$4,011/mo
▼ 0.25% · 3.875%
HK$76,222
−HK$2,020/mo
Today · 4.125%
HK$78,242
baseline
▲ 0.50% · 4.625%
HK$82,366
+HK$4,124/mo
Deposit HK$14.63M · loan HK$14.63M · min. income ≈ HK$156,484/mo (50% DSR)
Upfront cash ≈ HK$15.87M (deposit + AVD stamp duty HK$1,243,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,070
−HK$5,022/mo
▼ 0.25% · 3.875%
HK$82,561
−HK$2,531/mo
Today · 4.125%
HK$85,092
baseline
▲ 0.50% · 4.625%
HK$90,269
+HK$5,177/mo
Deposit HK$11.70M · loan HK$17.56M · min. income ≈ HK$170,184/mo (50% DSR)
Upfront cash ≈ HK$12.95M (deposit + AVD stamp duty HK$1,243,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,078
−HK$4,812/mo
▼ 0.25% · 3.875%
HK$91,467
−HK$2,423/mo
Today · 4.125%
HK$93,890
baseline
▲ 0.50% · 4.625%
HK$98,839
+HK$4,949/mo
Deposit HK$11.70M · loan HK$17.56M · min. income ≈ HK$187,780/mo (50% DSR)
Upfront cash ≈ HK$12.95M (deposit + AVD stamp duty HK$1,243,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,415
−HK$5,858/mo
▼ 0.25% · 3.875%
HK$96,321
−HK$2,952/mo
Today · 4.125%
HK$99,273
baseline
▲ 0.50% · 4.625%
HK$105,314
+HK$6,041/mo
Deposit HK$8.78M · loan HK$20.48M · min. income ≈ HK$198,546/mo (50% DSR)
Upfront cash ≈ HK$10.02M (deposit + AVD stamp duty HK$1,243,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,924
−HK$5,614/mo
▼ 0.25% · 3.875%
HK$106,711
−HK$2,827/mo
Today · 4.125%
HK$109,538
baseline
▲ 0.50% · 4.625%
HK$115,312
+HK$5,774/mo
Deposit HK$8.78M · loan HK$20.48M · min. income ≈ HK$219,076/mo (50% DSR)
Upfront cash ≈ HK$10.02M (deposit + AVD stamp duty HK$1,243,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,106
−HK$7,531/mo
▼ 0.25% · 3.875%
HK$123,842
−HK$3,795/mo
Today · 4.125%
HK$127,637
baseline
▲ 0.50% · 4.625%
HK$135,404
+HK$7,767/mo
Deposit HK$2.93M · loan HK$26.34M · min. income ≈ HK$255,274/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$1,243,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,616
−HK$7,219/mo
▼ 0.25% · 3.875%
HK$137,200
−HK$3,635/mo
Today · 4.125%
HK$140,835
baseline
▲ 0.50% · 4.625%
HK$148,259
+HK$7,424/mo
Deposit HK$2.93M · loan HK$26.34M · min. income ≈ HK$281,670/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$1,243,644 · Scale 2, in force from 26 Feb 2026)