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$66,202
−HK$4,151/mo
▼ 0.25% · 3.875%
HK$68,261
−HK$2,092/mo
Today · 4.125%
HK$70,353
baseline
▲ 0.50% · 4.625%
HK$74,634
+HK$4,281/mo
Deposit HK$14.52M · loan HK$14.52M · min. income ≈ HK$140,706/mo (50% DSR)
Upfront cash ≈ HK$15.75M (deposit + AVD stamp duty HK$1,233,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,649
−HK$3,979/mo
▼ 0.25% · 3.875%
HK$75,624
−HK$2,004/mo
Today · 4.125%
HK$77,628
baseline
▲ 0.50% · 4.625%
HK$81,720
+HK$4,092/mo
Deposit HK$14.52M · loan HK$14.52M · min. income ≈ HK$155,256/mo (50% DSR)
Upfront cash ≈ HK$15.75M (deposit + AVD stamp duty HK$1,233,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,442
−HK$4,982/mo
▼ 0.25% · 3.875%
HK$81,913
−HK$2,511/mo
Today · 4.125%
HK$84,424
baseline
▲ 0.50% · 4.625%
HK$89,561
+HK$5,137/mo
Deposit HK$11.61M · loan HK$17.42M · min. income ≈ HK$168,848/mo (50% DSR)
Upfront cash ≈ HK$12.85M (deposit + AVD stamp duty HK$1,233,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,379
−HK$4,775/mo
▼ 0.25% · 3.875%
HK$90,749
−HK$2,405/mo
Today · 4.125%
HK$93,154
baseline
▲ 0.50% · 4.625%
HK$98,064
+HK$4,910/mo
Deposit HK$11.61M · loan HK$17.42M · min. income ≈ HK$186,308/mo (50% DSR)
Upfront cash ≈ HK$12.85M (deposit + AVD stamp duty HK$1,233,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,683
−HK$5,812/mo
▼ 0.25% · 3.875%
HK$95,566
−HK$2,929/mo
Today · 4.125%
HK$98,495
baseline
▲ 0.50% · 4.625%
HK$104,488
+HK$5,993/mo
Deposit HK$8.71M · loan HK$20.32M · min. income ≈ HK$196,990/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$1,233,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,109
−HK$5,570/mo
▼ 0.25% · 3.875%
HK$105,874
−HK$2,805/mo
Today · 4.125%
HK$108,679
baseline
▲ 0.50% · 4.625%
HK$114,408
+HK$5,729/mo
Deposit HK$8.71M · loan HK$20.32M · min. income ≈ HK$217,358/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$1,233,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,164
−HK$7,472/mo
▼ 0.25% · 3.875%
HK$122,870
−HK$3,766/mo
Today · 4.125%
HK$126,636
baseline
▲ 0.50% · 4.625%
HK$134,342
+HK$7,706/mo
Deposit HK$2.90M · loan HK$26.13M · min. income ≈ HK$253,272/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$1,233,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,568
−HK$7,162/mo
▼ 0.25% · 3.875%
HK$136,124
−HK$3,606/mo
Today · 4.125%
HK$139,730
baseline
▲ 0.50% · 4.625%
HK$147,096
+HK$7,366/mo
Deposit HK$2.90M · loan HK$26.13M · min. income ≈ HK$279,460/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$1,233,889 · Scale 2, in force from 26 Feb 2026)