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$68,711
−HK$4,309/mo
▼ 0.25% · 3.875%
HK$70,849
−HK$2,171/mo
Today · 4.125%
HK$73,020
baseline
▲ 0.50% · 4.625%
HK$77,463
+HK$4,443/mo
Deposit HK$15.07M · loan HK$15.07M · min. income ≈ HK$146,040/mo (50% DSR)
Upfront cash ≈ HK$16.35M (deposit + AVD stamp duty HK$1,280,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,441
−HK$4,129/mo
▼ 0.25% · 3.875%
HK$78,491
−HK$2,079/mo
Today · 4.125%
HK$80,570
baseline
▲ 0.50% · 4.625%
HK$84,817
+HK$4,247/mo
Deposit HK$15.07M · loan HK$15.07M · min. income ≈ HK$161,140/mo (50% DSR)
Upfront cash ≈ HK$16.35M (deposit + AVD stamp duty HK$1,280,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,453
−HK$5,171/mo
▼ 0.25% · 3.875%
HK$85,018
−HK$2,606/mo
Today · 4.125%
HK$87,624
baseline
▲ 0.50% · 4.625%
HK$92,956
+HK$5,332/mo
Deposit HK$12.05M · loan HK$18.08M · min. income ≈ HK$175,248/mo (50% DSR)
Upfront cash ≈ HK$13.33M (deposit + AVD stamp duty HK$1,280,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,729
−HK$4,955/mo
▼ 0.25% · 3.875%
HK$94,189
−HK$2,495/mo
Today · 4.125%
HK$96,684
baseline
▲ 0.50% · 4.625%
HK$101,781
+HK$5,097/mo
Deposit HK$12.05M · loan HK$18.08M · min. income ≈ HK$193,368/mo (50% DSR)
Upfront cash ≈ HK$13.33M (deposit + AVD stamp duty HK$1,280,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,196
−HK$6,032/mo
▼ 0.25% · 3.875%
HK$99,188
−HK$3,040/mo
Today · 4.125%
HK$102,228
baseline
▲ 0.50% · 4.625%
HK$108,448
+HK$6,220/mo
Deposit HK$9.04M · loan HK$21.09M · min. income ≈ HK$204,456/mo (50% DSR)
Upfront cash ≈ HK$10.32M (deposit + AVD stamp duty HK$1,280,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,017
−HK$5,782/mo
▼ 0.25% · 3.875%
HK$109,887
−HK$2,912/mo
Today · 4.125%
HK$112,799
baseline
▲ 0.50% · 4.625%
HK$118,744
+HK$5,945/mo
Deposit HK$9.04M · loan HK$21.09M · min. income ≈ HK$225,598/mo (50% DSR)
Upfront cash ≈ HK$10.32M (deposit + AVD stamp duty HK$1,280,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,680
−HK$7,756/mo
▼ 0.25% · 3.875%
HK$127,527
−HK$3,909/mo
Today · 4.125%
HK$131,436
baseline
▲ 0.50% · 4.625%
HK$139,434
+HK$7,998/mo
Deposit HK$3.01M · loan HK$27.12M · min. income ≈ HK$262,872/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$1,280,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,593
−HK$7,434/mo
▼ 0.25% · 3.875%
HK$141,283
−HK$3,744/mo
Today · 4.125%
HK$145,027
baseline
▲ 0.50% · 4.625%
HK$152,671
+HK$7,644/mo
Deposit HK$3.01M · loan HK$27.12M · min. income ≈ HK$290,054/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$1,280,658 · Scale 2, in force from 26 Feb 2026)