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$71,811
−HK$4,503/mo
▼ 0.25% · 3.875%
HK$74,045
−HK$2,269/mo
Today · 4.125%
HK$76,314
baseline
▲ 0.50% · 4.625%
HK$80,958
+HK$4,644/mo
Deposit HK$15.75M · loan HK$15.75M · min. income ≈ HK$152,628/mo (50% DSR)
Upfront cash ≈ HK$17.08M (deposit + AVD stamp duty HK$1,338,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,889
−HK$4,316/mo
▼ 0.25% · 3.875%
HK$82,032
−HK$2,173/mo
Today · 4.125%
HK$84,205
baseline
▲ 0.50% · 4.625%
HK$88,644
+HK$4,439/mo
Deposit HK$15.75M · loan HK$15.75M · min. income ≈ HK$168,410/mo (50% DSR)
Upfront cash ≈ HK$17.08M (deposit + AVD stamp duty HK$1,338,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,173
−HK$5,404/mo
▼ 0.25% · 3.875%
HK$88,854
−HK$2,723/mo
Today · 4.125%
HK$91,577
baseline
▲ 0.50% · 4.625%
HK$97,149
+HK$5,572/mo
Deposit HK$12.60M · loan HK$18.90M · min. income ≈ HK$183,154/mo (50% DSR)
Upfront cash ≈ HK$13.94M (deposit + AVD stamp duty HK$1,338,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,867
−HK$5,179/mo
▼ 0.25% · 3.875%
HK$98,438
−HK$2,608/mo
Today · 4.125%
HK$101,046
baseline
▲ 0.50% · 4.625%
HK$106,373
+HK$5,327/mo
Deposit HK$12.60M · loan HK$18.90M · min. income ≈ HK$202,092/mo (50% DSR)
Upfront cash ≈ HK$13.94M (deposit + AVD stamp duty HK$1,338,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,536
−HK$6,304/mo
▼ 0.25% · 3.875%
HK$103,663
−HK$3,177/mo
Today · 4.125%
HK$106,840
baseline
▲ 0.50% · 4.625%
HK$113,341
+HK$6,501/mo
Deposit HK$9.45M · loan HK$22.04M · min. income ≈ HK$213,680/mo (50% DSR)
Upfront cash ≈ HK$10.79M (deposit + AVD stamp duty HK$1,338,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,845
−HK$6,043/mo
▼ 0.25% · 3.875%
HK$114,845
−HK$3,043/mo
Today · 4.125%
HK$117,888
baseline
▲ 0.50% · 4.625%
HK$124,102
+HK$6,214/mo
Deposit HK$9.45M · loan HK$22.04M · min. income ≈ HK$235,776/mo (50% DSR)
Upfront cash ≈ HK$10.79M (deposit + AVD stamp duty HK$1,338,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,260
−HK$8,106/mo
▼ 0.25% · 3.875%
HK$133,281
−HK$4,085/mo
Today · 4.125%
HK$137,366
baseline
▲ 0.50% · 4.625%
HK$145,724
+HK$8,358/mo
Deposit HK$3.15M · loan HK$28.34M · min. income ≈ HK$274,732/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$1,338,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,801
−HK$7,769/mo
▼ 0.25% · 3.875%
HK$147,657
−HK$3,913/mo
Today · 4.125%
HK$151,570
baseline
▲ 0.50% · 4.625%
HK$159,559
+HK$7,989/mo
Deposit HK$3.15M · loan HK$28.34M · min. income ≈ HK$303,140/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$1,338,435 · Scale 2, in force from 26 Feb 2026)