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$73,039
−HK$4,580/mo
▼ 0.25% · 3.875%
HK$75,311
−HK$2,308/mo
Today · 4.125%
HK$77,619
baseline
▲ 0.50% · 4.625%
HK$82,342
+HK$4,723/mo
Deposit HK$16.02M · loan HK$16.02M · min. income ≈ HK$155,238/mo (50% DSR)
Upfront cash ≈ HK$17.38M (deposit + AVD stamp duty HK$1,361,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,255
−HK$4,390/mo
▼ 0.25% · 3.875%
HK$83,434
−HK$2,211/mo
Today · 4.125%
HK$85,645
baseline
▲ 0.50% · 4.625%
HK$90,159
+HK$4,514/mo
Deposit HK$16.02M · loan HK$16.02M · min. income ≈ HK$171,290/mo (50% DSR)
Upfront cash ≈ HK$17.38M (deposit + AVD stamp duty HK$1,361,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,647
−HK$5,496/mo
▼ 0.25% · 3.875%
HK$90,373
−HK$2,770/mo
Today · 4.125%
HK$93,143
baseline
▲ 0.50% · 4.625%
HK$98,810
+HK$5,667/mo
Deposit HK$12.81M · loan HK$19.22M · min. income ≈ HK$186,286/mo (50% DSR)
Upfront cash ≈ HK$14.17M (deposit + AVD stamp duty HK$1,361,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,506
−HK$5,268/mo
▼ 0.25% · 3.875%
HK$100,121
−HK$2,653/mo
Today · 4.125%
HK$102,774
baseline
▲ 0.50% · 4.625%
HK$108,191
+HK$5,417/mo
Deposit HK$12.81M · loan HK$19.22M · min. income ≈ HK$205,548/mo (50% DSR)
Upfront cash ≈ HK$14.17M (deposit + AVD stamp duty HK$1,361,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,254
−HK$6,413/mo
▼ 0.25% · 3.875%
HK$105,435
−HK$3,232/mo
Today · 4.125%
HK$108,667
baseline
▲ 0.50% · 4.625%
HK$115,279
+HK$6,612/mo
Deposit HK$9.61M · loan HK$22.42M · min. income ≈ HK$217,334/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$1,361,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,757
−HK$6,146/mo
▼ 0.25% · 3.875%
HK$116,808
−HK$3,095/mo
Today · 4.125%
HK$119,903
baseline
▲ 0.50% · 4.625%
HK$126,223
+HK$6,320/mo
Deposit HK$9.61M · loan HK$22.42M · min. income ≈ HK$239,806/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$1,361,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,470
−HK$8,244/mo
▼ 0.25% · 3.875%
HK$135,560
−HK$4,154/mo
Today · 4.125%
HK$139,714
baseline
▲ 0.50% · 4.625%
HK$148,216
+HK$8,502/mo
Deposit HK$3.20M · loan HK$28.83M · min. income ≈ HK$279,428/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$1,361,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,259
−HK$7,902/mo
▼ 0.25% · 3.875%
HK$150,182
−HK$3,979/mo
Today · 4.125%
HK$154,161
baseline
▲ 0.50% · 4.625%
HK$162,287
+HK$8,126/mo
Deposit HK$3.20M · loan HK$28.83M · min. income ≈ HK$308,322/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$1,361,318 · Scale 2, in force from 26 Feb 2026)