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$67,409
−HK$4,228/mo
▼ 0.25% · 3.875%
HK$69,506
−HK$2,131/mo
Today · 4.125%
HK$71,637
baseline
▲ 0.50% · 4.625%
HK$75,996
+HK$4,359/mo
Deposit HK$14.78M · loan HK$14.78M · min. income ≈ HK$143,274/mo (50% DSR)
Upfront cash ≈ HK$16.04M (deposit + AVD stamp duty HK$1,256,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,992
−HK$4,052/mo
▼ 0.25% · 3.875%
HK$77,004
−HK$2,040/mo
Today · 4.125%
HK$79,044
baseline
▲ 0.50% · 4.625%
HK$83,210
+HK$4,166/mo
Deposit HK$14.78M · loan HK$14.78M · min. income ≈ HK$158,088/mo (50% DSR)
Upfront cash ≈ HK$16.04M (deposit + AVD stamp duty HK$1,256,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,891
−HK$5,073/mo
▼ 0.25% · 3.875%
HK$83,408
−HK$2,556/mo
Today · 4.125%
HK$85,964
baseline
▲ 0.50% · 4.625%
HK$91,195
+HK$5,231/mo
Deposit HK$11.82M · loan HK$17.74M · min. income ≈ HK$171,928/mo (50% DSR)
Upfront cash ≈ HK$13.08M (deposit + AVD stamp duty HK$1,256,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,991
−HK$4,862/mo
▼ 0.25% · 3.875%
HK$92,404
−HK$2,449/mo
Today · 4.125%
HK$94,853
baseline
▲ 0.50% · 4.625%
HK$99,853
+HK$5,000/mo
Deposit HK$11.82M · loan HK$17.74M · min. income ≈ HK$189,706/mo (50% DSR)
Upfront cash ≈ HK$13.08M (deposit + AVD stamp duty HK$1,256,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,373
−HK$5,918/mo
▼ 0.25% · 3.875%
HK$97,309
−HK$2,982/mo
Today · 4.125%
HK$100,291
baseline
▲ 0.50% · 4.625%
HK$106,394
+HK$6,103/mo
Deposit HK$8.87M · loan HK$20.69M · min. income ≈ HK$200,582/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$1,256,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,989
−HK$5,673/mo
▼ 0.25% · 3.875%
HK$107,805
−HK$2,857/mo
Today · 4.125%
HK$110,662
baseline
▲ 0.50% · 4.625%
HK$116,495
+HK$5,833/mo
Deposit HK$8.87M · loan HK$20.69M · min. income ≈ HK$221,324/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$1,256,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,337
−HK$7,609/mo
▼ 0.25% · 3.875%
HK$125,111
−HK$3,835/mo
Today · 4.125%
HK$128,946
baseline
▲ 0.50% · 4.625%
HK$136,792
+HK$7,846/mo
Deposit HK$2.96M · loan HK$26.61M · min. income ≈ HK$257,892/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$1,256,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,986
−HK$7,293/mo
▼ 0.25% · 3.875%
HK$138,606
−HK$3,673/mo
Today · 4.125%
HK$142,279
baseline
▲ 0.50% · 4.625%
HK$149,779
+HK$7,500/mo
Deposit HK$2.96M · loan HK$26.61M · min. income ≈ HK$284,558/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$1,256,395 · Scale 2, in force from 26 Feb 2026)