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$67,365
−HK$4,224/mo
▼ 0.25% · 3.875%
HK$69,460
−HK$2,129/mo
Today · 4.125%
HK$71,589
baseline
▲ 0.50% · 4.625%
HK$75,945
+HK$4,356/mo
Deposit HK$14.77M · loan HK$14.77M · min. income ≈ HK$143,178/mo (50% DSR)
Upfront cash ≈ HK$16.03M (deposit + AVD stamp duty HK$1,255,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,943
−HK$4,049/mo
▼ 0.25% · 3.875%
HK$76,953
−HK$2,039/mo
Today · 4.125%
HK$78,992
baseline
▲ 0.50% · 4.625%
HK$83,155
+HK$4,163/mo
Deposit HK$14.77M · loan HK$14.77M · min. income ≈ HK$157,984/mo (50% DSR)
Upfront cash ≈ HK$16.03M (deposit + AVD stamp duty HK$1,255,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,838
−HK$5,069/mo
▼ 0.25% · 3.875%
HK$83,352
−HK$2,555/mo
Today · 4.125%
HK$85,907
baseline
▲ 0.50% · 4.625%
HK$91,134
+HK$5,227/mo
Deposit HK$11.82M · loan HK$17.73M · min. income ≈ HK$171,814/mo (50% DSR)
Upfront cash ≈ HK$13.07M (deposit + AVD stamp duty HK$1,255,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,931
−HK$4,859/mo
▼ 0.25% · 3.875%
HK$92,343
−HK$2,447/mo
Today · 4.125%
HK$94,790
baseline
▲ 0.50% · 4.625%
HK$99,787
+HK$4,997/mo
Deposit HK$11.82M · loan HK$17.73M · min. income ≈ HK$189,580/mo (50% DSR)
Upfront cash ≈ HK$13.07M (deposit + AVD stamp duty HK$1,255,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,311
−HK$5,914/mo
▼ 0.25% · 3.875%
HK$97,244
−HK$2,981/mo
Today · 4.125%
HK$100,225
baseline
▲ 0.50% · 4.625%
HK$106,323
+HK$6,098/mo
Deposit HK$8.86M · loan HK$20.68M · min. income ≈ HK$200,450/mo (50% DSR)
Upfront cash ≈ HK$10.12M (deposit + AVD stamp duty HK$1,255,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,920
−HK$5,668/mo
▼ 0.25% · 3.875%
HK$107,734
−HK$2,854/mo
Today · 4.125%
HK$110,588
baseline
▲ 0.50% · 4.625%
HK$116,418
+HK$5,830/mo
Deposit HK$8.86M · loan HK$20.68M · min. income ≈ HK$221,176/mo (50% DSR)
Upfront cash ≈ HK$10.12M (deposit + AVD stamp duty HK$1,255,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,257
−HK$7,604/mo
▼ 0.25% · 3.875%
HK$125,029
−HK$3,832/mo
Today · 4.125%
HK$128,861
baseline
▲ 0.50% · 4.625%
HK$136,702
+HK$7,841/mo
Deposit HK$2.95M · loan HK$26.59M · min. income ≈ HK$257,722/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$1,255,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,897
−HK$7,288/mo
▼ 0.25% · 3.875%
HK$138,515
−HK$3,670/mo
Today · 4.125%
HK$142,185
baseline
▲ 0.50% · 4.625%
HK$149,680
+HK$7,495/mo
Deposit HK$2.95M · loan HK$26.59M · min. income ≈ HK$284,370/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$1,255,564 · Scale 2, in force from 26 Feb 2026)