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$68,175
−HK$4,276/mo
▼ 0.25% · 3.875%
HK$70,296
−HK$2,155/mo
Today · 4.125%
HK$72,451
baseline
▲ 0.50% · 4.625%
HK$76,859
+HK$4,408/mo
Deposit HK$14.95M · loan HK$14.95M · min. income ≈ HK$144,902/mo (50% DSR)
Upfront cash ≈ HK$16.22M (deposit + AVD stamp duty HK$1,270,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,844
−HK$4,098/mo
▼ 0.25% · 3.875%
HK$77,878
−HK$2,064/mo
Today · 4.125%
HK$79,942
baseline
▲ 0.50% · 4.625%
HK$84,156
+HK$4,214/mo
Deposit HK$14.95M · loan HK$14.95M · min. income ≈ HK$159,884/mo (50% DSR)
Upfront cash ≈ HK$16.22M (deposit + AVD stamp duty HK$1,270,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,810
−HK$5,131/mo
▼ 0.25% · 3.875%
HK$84,355
−HK$2,586/mo
Today · 4.125%
HK$86,941
baseline
▲ 0.50% · 4.625%
HK$92,231
+HK$5,290/mo
Deposit HK$11.96M · loan HK$17.94M · min. income ≈ HK$173,882/mo (50% DSR)
Upfront cash ≈ HK$13.23M (deposit + AVD stamp duty HK$1,270,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,013
−HK$4,917/mo
▼ 0.25% · 3.875%
HK$93,454
−HK$2,476/mo
Today · 4.125%
HK$95,930
baseline
▲ 0.50% · 4.625%
HK$100,987
+HK$5,057/mo
Deposit HK$11.96M · loan HK$17.94M · min. income ≈ HK$191,860/mo (50% DSR)
Upfront cash ≈ HK$13.23M (deposit + AVD stamp duty HK$1,270,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,445
−HK$5,986/mo
▼ 0.25% · 3.875%
HK$98,414
−HK$3,017/mo
Today · 4.125%
HK$101,431
baseline
▲ 0.50% · 4.625%
HK$107,603
+HK$6,172/mo
Deposit HK$8.97M · loan HK$20.93M · min. income ≈ HK$202,862/mo (50% DSR)
Upfront cash ≈ HK$10.24M (deposit + AVD stamp duty HK$1,270,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,182
−HK$5,737/mo
▼ 0.25% · 3.875%
HK$109,030
−HK$2,889/mo
Today · 4.125%
HK$111,919
baseline
▲ 0.50% · 4.625%
HK$117,818
+HK$5,899/mo
Deposit HK$8.97M · loan HK$20.93M · min. income ≈ HK$223,838/mo (50% DSR)
Upfront cash ≈ HK$10.24M (deposit + AVD stamp duty HK$1,270,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,716
−HK$7,695/mo
▼ 0.25% · 3.875%
HK$126,533
−HK$3,878/mo
Today · 4.125%
HK$130,411
baseline
▲ 0.50% · 4.625%
HK$138,346
+HK$7,935/mo
Deposit HK$2.99M · loan HK$26.91M · min. income ≈ HK$260,822/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$1,270,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,520
−HK$7,376/mo
▼ 0.25% · 3.875%
HK$140,181
−HK$3,715/mo
Today · 4.125%
HK$143,896
baseline
▲ 0.50% · 4.625%
HK$151,481
+HK$7,585/mo
Deposit HK$2.99M · loan HK$26.91M · min. income ≈ HK$287,792/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$1,270,670 · Scale 2, in force from 26 Feb 2026)