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$73,242
−HK$4,593/mo
▼ 0.25% · 3.875%
HK$75,520
−HK$2,315/mo
Today · 4.125%
HK$77,835
baseline
▲ 0.50% · 4.625%
HK$82,571
+HK$4,736/mo
Deposit HK$16.06M · loan HK$16.06M · min. income ≈ HK$155,670/mo (50% DSR)
Upfront cash ≈ HK$17.43M (deposit + AVD stamp duty HK$1,365,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,481
−HK$4,402/mo
▼ 0.25% · 3.875%
HK$83,666
−HK$2,217/mo
Today · 4.125%
HK$85,883
baseline
▲ 0.50% · 4.625%
HK$90,410
+HK$4,527/mo
Deposit HK$16.06M · loan HK$16.06M · min. income ≈ HK$171,766/mo (50% DSR)
Upfront cash ≈ HK$17.43M (deposit + AVD stamp duty HK$1,365,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,891
−HK$5,511/mo
▼ 0.25% · 3.875%
HK$90,624
−HK$2,778/mo
Today · 4.125%
HK$93,402
baseline
▲ 0.50% · 4.625%
HK$99,085
+HK$5,683/mo
Deposit HK$12.85M · loan HK$19.27M · min. income ≈ HK$186,804/mo (50% DSR)
Upfront cash ≈ HK$14.21M (deposit + AVD stamp duty HK$1,365,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,777
−HK$5,283/mo
▼ 0.25% · 3.875%
HK$100,400
−HK$2,660/mo
Today · 4.125%
HK$103,060
baseline
▲ 0.50% · 4.625%
HK$108,492
+HK$5,432/mo
Deposit HK$12.85M · loan HK$19.27M · min. income ≈ HK$206,120/mo (50% DSR)
Upfront cash ≈ HK$14.21M (deposit + AVD stamp duty HK$1,365,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,539
−HK$6,430/mo
▼ 0.25% · 3.875%
HK$105,729
−HK$3,240/mo
Today · 4.125%
HK$108,969
baseline
▲ 0.50% · 4.625%
HK$115,600
+HK$6,631/mo
Deposit HK$9.64M · loan HK$22.48M · min. income ≈ HK$217,938/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$1,365,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,074
−HK$6,163/mo
▼ 0.25% · 3.875%
HK$117,133
−HK$3,104/mo
Today · 4.125%
HK$120,237
baseline
▲ 0.50% · 4.625%
HK$126,574
+HK$6,337/mo
Deposit HK$9.64M · loan HK$22.48M · min. income ≈ HK$240,474/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$1,365,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,836
−HK$8,267/mo
▼ 0.25% · 3.875%
HK$135,937
−HK$4,166/mo
Today · 4.125%
HK$140,103
baseline
▲ 0.50% · 4.625%
HK$148,628
+HK$8,525/mo
Deposit HK$3.21M · loan HK$28.91M · min. income ≈ HK$280,206/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$1,365,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,666
−HK$7,924/mo
▼ 0.25% · 3.875%
HK$150,600
−HK$3,990/mo
Today · 4.125%
HK$154,590
baseline
▲ 0.50% · 4.625%
HK$162,739
+HK$8,149/mo
Deposit HK$3.21M · loan HK$28.91M · min. income ≈ HK$309,180/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$1,365,106 · Scale 2, in force from 26 Feb 2026)