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$70,854
−HK$4,443/mo
▼ 0.25% · 3.875%
HK$73,058
−HK$2,239/mo
Today · 4.125%
HK$75,297
baseline
▲ 0.50% · 4.625%
HK$79,879
+HK$4,582/mo
Deposit HK$15.54M · loan HK$15.54M · min. income ≈ HK$150,594/mo (50% DSR)
Upfront cash ≈ HK$16.86M (deposit + AVD stamp duty HK$1,320,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,824
−HK$4,259/mo
▼ 0.25% · 3.875%
HK$80,939
−HK$2,144/mo
Today · 4.125%
HK$83,083
baseline
▲ 0.50% · 4.625%
HK$87,463
+HK$4,380/mo
Deposit HK$15.54M · loan HK$15.54M · min. income ≈ HK$166,166/mo (50% DSR)
Upfront cash ≈ HK$16.86M (deposit + AVD stamp duty HK$1,320,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,025
−HK$5,332/mo
▼ 0.25% · 3.875%
HK$87,670
−HK$2,687/mo
Today · 4.125%
HK$90,357
baseline
▲ 0.50% · 4.625%
HK$95,855
+HK$5,498/mo
Deposit HK$12.43M · loan HK$18.64M · min. income ≈ HK$180,714/mo (50% DSR)
Upfront cash ≈ HK$13.75M (deposit + AVD stamp duty HK$1,320,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,589
−HK$5,111/mo
▼ 0.25% · 3.875%
HK$97,126
−HK$2,574/mo
Today · 4.125%
HK$99,700
baseline
▲ 0.50% · 4.625%
HK$104,955
+HK$5,255/mo
Deposit HK$12.43M · loan HK$18.64M · min. income ≈ HK$199,400/mo (50% DSR)
Upfront cash ≈ HK$13.75M (deposit + AVD stamp duty HK$1,320,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,196
−HK$6,220/mo
▼ 0.25% · 3.875%
HK$102,281
−HK$3,135/mo
Today · 4.125%
HK$105,416
baseline
▲ 0.50% · 4.625%
HK$111,831
+HK$6,415/mo
Deposit HK$9.32M · loan HK$21.75M · min. income ≈ HK$210,832/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$1,320,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,354
−HK$5,962/mo
▼ 0.25% · 3.875%
HK$113,314
−HK$3,002/mo
Today · 4.125%
HK$116,316
baseline
▲ 0.50% · 4.625%
HK$122,448
+HK$6,132/mo
Deposit HK$9.32M · loan HK$21.75M · min. income ≈ HK$232,632/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$1,320,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,537
−HK$7,998/mo
▼ 0.25% · 3.875%
HK$131,505
−HK$4,030/mo
Today · 4.125%
HK$135,535
baseline
▲ 0.50% · 4.625%
HK$143,782
+HK$8,247/mo
Deposit HK$3.11M · loan HK$27.97M · min. income ≈ HK$271,070/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$1,320,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,884
−HK$7,666/mo
▼ 0.25% · 3.875%
HK$145,689
−HK$3,861/mo
Today · 4.125%
HK$149,550
baseline
▲ 0.50% · 4.625%
HK$157,433
+HK$7,883/mo
Deposit HK$3.11M · loan HK$27.97M · min. income ≈ HK$299,100/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$1,320,597 · Scale 2, in force from 26 Feb 2026)