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$67,931
−HK$4,260/mo
▼ 0.25% · 3.875%
HK$70,045
−HK$2,146/mo
Today · 4.125%
HK$72,191
baseline
▲ 0.50% · 4.625%
HK$76,584
+HK$4,393/mo
Deposit HK$14.90M · loan HK$14.90M · min. income ≈ HK$144,382/mo (50% DSR)
Upfront cash ≈ HK$16.16M (deposit + AVD stamp duty HK$1,266,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,573
−HK$4,083/mo
▼ 0.25% · 3.875%
HK$77,600
−HK$2,056/mo
Today · 4.125%
HK$79,656
baseline
▲ 0.50% · 4.625%
HK$83,855
+HK$4,199/mo
Deposit HK$14.90M · loan HK$14.90M · min. income ≈ HK$159,312/mo (50% DSR)
Upfront cash ≈ HK$16.16M (deposit + AVD stamp duty HK$1,266,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,518
−HK$5,112/mo
▼ 0.25% · 3.875%
HK$84,053
−HK$2,577/mo
Today · 4.125%
HK$86,630
baseline
▲ 0.50% · 4.625%
HK$91,901
+HK$5,271/mo
Deposit HK$11.92M · loan HK$17.87M · min. income ≈ HK$173,260/mo (50% DSR)
Upfront cash ≈ HK$13.18M (deposit + AVD stamp duty HK$1,266,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,688
−HK$4,899/mo
▼ 0.25% · 3.875%
HK$93,120
−HK$2,467/mo
Today · 4.125%
HK$95,587
baseline
▲ 0.50% · 4.625%
HK$100,626
+HK$5,039/mo
Deposit HK$11.92M · loan HK$17.87M · min. income ≈ HK$191,174/mo (50% DSR)
Upfront cash ≈ HK$13.18M (deposit + AVD stamp duty HK$1,266,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,104
−HK$5,964/mo
▼ 0.25% · 3.875%
HK$98,062
−HK$3,006/mo
Today · 4.125%
HK$101,068
baseline
▲ 0.50% · 4.625%
HK$107,218
+HK$6,150/mo
Deposit HK$8.94M · loan HK$20.85M · min. income ≈ HK$202,136/mo (50% DSR)
Upfront cash ≈ HK$10.20M (deposit + AVD stamp duty HK$1,266,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,802
−HK$5,716/mo
▼ 0.25% · 3.875%
HK$108,640
−HK$2,878/mo
Today · 4.125%
HK$111,518
baseline
▲ 0.50% · 4.625%
HK$117,397
+HK$5,879/mo
Deposit HK$8.94M · loan HK$20.85M · min. income ≈ HK$223,036/mo (50% DSR)
Upfront cash ≈ HK$10.20M (deposit + AVD stamp duty HK$1,266,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,277
−HK$7,667/mo
▼ 0.25% · 3.875%
HK$126,080
−HK$3,864/mo
Today · 4.125%
HK$129,944
baseline
▲ 0.50% · 4.625%
HK$137,851
+HK$7,907/mo
Deposit HK$2.98M · loan HK$26.81M · min. income ≈ HK$259,888/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$1,266,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,032
−HK$7,349/mo
▼ 0.25% · 3.875%
HK$139,680
−HK$3,701/mo
Today · 4.125%
HK$143,381
baseline
▲ 0.50% · 4.625%
HK$150,939
+HK$7,558/mo
Deposit HK$2.98M · loan HK$26.81M · min. income ≈ HK$286,762/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$1,266,125 · Scale 2, in force from 26 Feb 2026)