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$71,913
−HK$4,510/mo
▼ 0.25% · 3.875%
HK$74,150
−HK$2,273/mo
Today · 4.125%
HK$76,423
baseline
▲ 0.50% · 4.625%
HK$81,073
+HK$4,650/mo
Deposit HK$15.77M · loan HK$15.77M · min. income ≈ HK$152,846/mo (50% DSR)
Upfront cash ≈ HK$17.11M (deposit + AVD stamp duty HK$1,340,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,002
−HK$4,323/mo
▼ 0.25% · 3.875%
HK$82,148
−HK$2,177/mo
Today · 4.125%
HK$84,325
baseline
▲ 0.50% · 4.625%
HK$88,770
+HK$4,445/mo
Deposit HK$15.77M · loan HK$15.77M · min. income ≈ HK$168,650/mo (50% DSR)
Upfront cash ≈ HK$17.11M (deposit + AVD stamp duty HK$1,340,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,296
−HK$5,411/mo
▼ 0.25% · 3.875%
HK$88,980
−HK$2,727/mo
Today · 4.125%
HK$91,707
baseline
▲ 0.50% · 4.625%
HK$97,287
+HK$5,580/mo
Deposit HK$12.61M · loan HK$18.92M · min. income ≈ HK$183,414/mo (50% DSR)
Upfront cash ≈ HK$13.96M (deposit + AVD stamp duty HK$1,340,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,003
−HK$5,187/mo
▼ 0.25% · 3.875%
HK$98,578
−HK$2,612/mo
Today · 4.125%
HK$101,190
baseline
▲ 0.50% · 4.625%
HK$106,524
+HK$5,334/mo
Deposit HK$12.61M · loan HK$18.92M · min. income ≈ HK$202,380/mo (50% DSR)
Upfront cash ≈ HK$13.96M (deposit + AVD stamp duty HK$1,340,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,678
−HK$6,314/mo
▼ 0.25% · 3.875%
HK$103,810
−HK$3,182/mo
Today · 4.125%
HK$106,992
baseline
▲ 0.50% · 4.625%
HK$113,502
+HK$6,510/mo
Deposit HK$9.46M · loan HK$22.08M · min. income ≈ HK$213,984/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$1,340,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,003
−HK$6,052/mo
▼ 0.25% · 3.875%
HK$115,007
−HK$3,048/mo
Today · 4.125%
HK$118,055
baseline
▲ 0.50% · 4.625%
HK$124,277
+HK$6,222/mo
Deposit HK$9.46M · loan HK$22.08M · min. income ≈ HK$236,110/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$1,340,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,443
−HK$8,118/mo
▼ 0.25% · 3.875%
HK$133,470
−HK$4,091/mo
Today · 4.125%
HK$137,561
baseline
▲ 0.50% · 4.625%
HK$145,931
+HK$8,370/mo
Deposit HK$3.15M · loan HK$28.38M · min. income ≈ HK$275,122/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$1,340,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,004
−HK$7,781/mo
▼ 0.25% · 3.875%
HK$147,867
−HK$3,918/mo
Today · 4.125%
HK$151,785
baseline
▲ 0.50% · 4.625%
HK$159,785
+HK$8,000/mo
Deposit HK$3.15M · loan HK$28.38M · min. income ≈ HK$303,570/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$1,340,333 · Scale 2, in force from 26 Feb 2026)