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$69,095
−HK$4,332/mo
▼ 0.25% · 3.875%
HK$71,244
−HK$2,183/mo
Today · 4.125%
HK$73,427
baseline
▲ 0.50% · 4.625%
HK$77,895
+HK$4,468/mo
Deposit HK$15.15M · loan HK$15.15M · min. income ≈ HK$146,854/mo (50% DSR)
Upfront cash ≈ HK$16.44M (deposit + AVD stamp duty HK$1,287,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,867
−HK$4,153/mo
▼ 0.25% · 3.875%
HK$78,929
−HK$2,091/mo
Today · 4.125%
HK$81,020
baseline
▲ 0.50% · 4.625%
HK$85,291
+HK$4,271/mo
Deposit HK$15.15M · loan HK$15.15M · min. income ≈ HK$162,040/mo (50% DSR)
Upfront cash ≈ HK$16.44M (deposit + AVD stamp duty HK$1,287,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,913
−HK$5,200/mo
▼ 0.25% · 3.875%
HK$85,493
−HK$2,620/mo
Today · 4.125%
HK$88,113
baseline
▲ 0.50% · 4.625%
HK$93,474
+HK$5,361/mo
Deposit HK$12.12M · loan HK$18.18M · min. income ≈ HK$176,226/mo (50% DSR)
Upfront cash ≈ HK$13.41M (deposit + AVD stamp duty HK$1,287,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,240
−HK$4,984/mo
▼ 0.25% · 3.875%
HK$94,714
−HK$2,510/mo
Today · 4.125%
HK$97,224
baseline
▲ 0.50% · 4.625%
HK$102,349
+HK$5,125/mo
Deposit HK$12.12M · loan HK$18.18M · min. income ≈ HK$194,448/mo (50% DSR)
Upfront cash ≈ HK$13.41M (deposit + AVD stamp duty HK$1,287,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,732
−HK$6,066/mo
▼ 0.25% · 3.875%
HK$99,741
−HK$3,057/mo
Today · 4.125%
HK$102,798
baseline
▲ 0.50% · 4.625%
HK$109,053
+HK$6,255/mo
Deposit HK$9.09M · loan HK$21.21M · min. income ≈ HK$205,596/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$1,287,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,614
−HK$5,814/mo
▼ 0.25% · 3.875%
HK$110,500
−HK$2,928/mo
Today · 4.125%
HK$113,428
baseline
▲ 0.50% · 4.625%
HK$119,407
+HK$5,979/mo
Deposit HK$9.09M · loan HK$21.21M · min. income ≈ HK$226,856/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$1,287,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,370
−HK$7,799/mo
▼ 0.25% · 3.875%
HK$128,239
−HK$3,930/mo
Today · 4.125%
HK$132,169
baseline
▲ 0.50% · 4.625%
HK$140,211
+HK$8,042/mo
Deposit HK$3.03M · loan HK$27.27M · min. income ≈ HK$264,338/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$1,287,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,361
−HK$7,475/mo
▼ 0.25% · 3.875%
HK$142,071
−HK$3,765/mo
Today · 4.125%
HK$145,836
baseline
▲ 0.50% · 4.625%
HK$153,523
+HK$7,687/mo
Deposit HK$3.03M · loan HK$27.27M · min. income ≈ HK$291,672/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$1,287,802 · Scale 2, in force from 26 Feb 2026)