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$72,362
−HK$4,538/mo
▼ 0.25% · 3.875%
HK$74,613
−HK$2,287/mo
Today · 4.125%
HK$76,900
baseline
▲ 0.50% · 4.625%
HK$81,579
+HK$4,679/mo
Deposit HK$15.87M · loan HK$15.87M · min. income ≈ HK$153,800/mo (50% DSR)
Upfront cash ≈ HK$17.22M (deposit + AVD stamp duty HK$1,348,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,502
−HK$4,349/mo
▼ 0.25% · 3.875%
HK$82,661
−HK$2,190/mo
Today · 4.125%
HK$84,851
baseline
▲ 0.50% · 4.625%
HK$89,324
+HK$4,473/mo
Deposit HK$15.87M · loan HK$15.87M · min. income ≈ HK$169,702/mo (50% DSR)
Upfront cash ≈ HK$17.22M (deposit + AVD stamp duty HK$1,348,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,835
−HK$5,445/mo
▼ 0.25% · 3.875%
HK$89,536
−HK$2,744/mo
Today · 4.125%
HK$92,280
baseline
▲ 0.50% · 4.625%
HK$97,895
+HK$5,615/mo
Deposit HK$12.69M · loan HK$19.04M · min. income ≈ HK$184,560/mo (50% DSR)
Upfront cash ≈ HK$14.04M (deposit + AVD stamp duty HK$1,348,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,603
−HK$5,219/mo
▼ 0.25% · 3.875%
HK$99,193
−HK$2,629/mo
Today · 4.125%
HK$101,822
baseline
▲ 0.50% · 4.625%
HK$107,189
+HK$5,367/mo
Deposit HK$12.69M · loan HK$19.04M · min. income ≈ HK$203,644/mo (50% DSR)
Upfront cash ≈ HK$14.04M (deposit + AVD stamp duty HK$1,348,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,307
−HK$6,353/mo
▼ 0.25% · 3.875%
HK$104,458
−HK$3,202/mo
Today · 4.125%
HK$107,660
baseline
▲ 0.50% · 4.625%
HK$114,211
+HK$6,551/mo
Deposit HK$9.52M · loan HK$22.21M · min. income ≈ HK$215,320/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$1,348,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,703
−HK$6,089/mo
▼ 0.25% · 3.875%
HK$115,726
−HK$3,066/mo
Today · 4.125%
HK$118,792
baseline
▲ 0.50% · 4.625%
HK$125,054
+HK$6,262/mo
Deposit HK$9.52M · loan HK$22.21M · min. income ≈ HK$237,584/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$1,348,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,252
−HK$8,168/mo
▼ 0.25% · 3.875%
HK$134,303
−HK$4,117/mo
Today · 4.125%
HK$138,420
baseline
▲ 0.50% · 4.625%
HK$146,842
+HK$8,422/mo
Deposit HK$3.17M · loan HK$28.56M · min. income ≈ HK$276,840/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$1,348,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,904
−HK$7,829/mo
▼ 0.25% · 3.875%
HK$148,790
−HK$3,943/mo
Today · 4.125%
HK$152,733
baseline
▲ 0.50% · 4.625%
HK$160,783
+HK$8,050/mo
Deposit HK$3.17M · loan HK$28.56M · min. income ≈ HK$305,466/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$1,348,704 · Scale 2, in force from 26 Feb 2026)