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$66,879
−HK$4,194/mo
▼ 0.25% · 3.875%
HK$68,959
−HK$2,114/mo
Today · 4.125%
HK$71,073
baseline
▲ 0.50% · 4.625%
HK$75,398
+HK$4,325/mo
Deposit HK$14.66M · loan HK$14.66M · min. income ≈ HK$142,146/mo (50% DSR)
Upfront cash ≈ HK$15.91M (deposit + AVD stamp duty HK$1,246,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,402
−HK$4,020/mo
▼ 0.25% · 3.875%
HK$76,398
−HK$2,024/mo
Today · 4.125%
HK$78,422
baseline
▲ 0.50% · 4.625%
HK$82,556
+HK$4,134/mo
Deposit HK$14.66M · loan HK$14.66M · min. income ≈ HK$156,844/mo (50% DSR)
Upfront cash ≈ HK$15.91M (deposit + AVD stamp duty HK$1,246,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,255
−HK$5,033/mo
▼ 0.25% · 3.875%
HK$82,751
−HK$2,537/mo
Today · 4.125%
HK$85,288
baseline
▲ 0.50% · 4.625%
HK$90,477
+HK$5,189/mo
Deposit HK$11.73M · loan HK$17.60M · min. income ≈ HK$170,576/mo (50% DSR)
Upfront cash ≈ HK$12.98M (deposit + AVD stamp duty HK$1,246,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,283
−HK$4,823/mo
▼ 0.25% · 3.875%
HK$91,677
−HK$2,429/mo
Today · 4.125%
HK$94,106
baseline
▲ 0.50% · 4.625%
HK$99,067
+HK$4,961/mo
Deposit HK$11.73M · loan HK$17.60M · min. income ≈ HK$188,212/mo (50% DSR)
Upfront cash ≈ HK$12.98M (deposit + AVD stamp duty HK$1,246,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,631
−HK$5,871/mo
▼ 0.25% · 3.875%
HK$96,543
−HK$2,959/mo
Today · 4.125%
HK$99,502
baseline
▲ 0.50% · 4.625%
HK$105,557
+HK$6,055/mo
Deposit HK$8.80M · loan HK$20.53M · min. income ≈ HK$199,004/mo (50% DSR)
Upfront cash ≈ HK$10.05M (deposit + AVD stamp duty HK$1,246,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,163
−HK$5,628/mo
▼ 0.25% · 3.875%
HK$106,957
−HK$2,834/mo
Today · 4.125%
HK$109,791
baseline
▲ 0.50% · 4.625%
HK$115,578
+HK$5,787/mo
Deposit HK$8.80M · loan HK$20.53M · min. income ≈ HK$219,582/mo (50% DSR)
Upfront cash ≈ HK$10.05M (deposit + AVD stamp duty HK$1,246,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,382
−HK$7,549/mo
▼ 0.25% · 3.875%
HK$124,127
−HK$3,804/mo
Today · 4.125%
HK$127,931
baseline
▲ 0.50% · 4.625%
HK$135,716
+HK$7,785/mo
Deposit HK$2.93M · loan HK$26.40M · min. income ≈ HK$255,862/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$1,246,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,924
−HK$7,236/mo
▼ 0.25% · 3.875%
HK$137,516
−HK$3,644/mo
Today · 4.125%
HK$141,160
baseline
▲ 0.50% · 4.625%
HK$148,600
+HK$7,440/mo
Deposit HK$2.93M · loan HK$26.40M · min. income ≈ HK$282,320/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$1,246,509 · Scale 2, in force from 26 Feb 2026)