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$69,435
−HK$4,354/mo
▼ 0.25% · 3.875%
HK$71,594
−HK$2,195/mo
Today · 4.125%
HK$73,789
baseline
▲ 0.50% · 4.625%
HK$78,279
+HK$4,490/mo
Deposit HK$15.23M · loan HK$15.23M · min. income ≈ HK$147,578/mo (50% DSR)
Upfront cash ≈ HK$16.52M (deposit + AVD stamp duty HK$1,294,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,245
−HK$4,174/mo
▼ 0.25% · 3.875%
HK$79,317
−HK$2,102/mo
Today · 4.125%
HK$81,419
baseline
▲ 0.50% · 4.625%
HK$85,710
+HK$4,291/mo
Deposit HK$15.23M · loan HK$15.23M · min. income ≈ HK$162,838/mo (50% DSR)
Upfront cash ≈ HK$16.52M (deposit + AVD stamp duty HK$1,294,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,321
−HK$5,225/mo
▼ 0.25% · 3.875%
HK$85,913
−HK$2,633/mo
Today · 4.125%
HK$88,546
baseline
▲ 0.50% · 4.625%
HK$93,934
+HK$5,388/mo
Deposit HK$12.18M · loan HK$18.27M · min. income ≈ HK$177,092/mo (50% DSR)
Upfront cash ≈ HK$13.47M (deposit + AVD stamp duty HK$1,294,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,694
−HK$5,008/mo
▼ 0.25% · 3.875%
HK$95,180
−HK$2,522/mo
Today · 4.125%
HK$97,702
baseline
▲ 0.50% · 4.625%
HK$102,852
+HK$5,150/mo
Deposit HK$12.18M · loan HK$18.27M · min. income ≈ HK$195,404/mo (50% DSR)
Upfront cash ≈ HK$13.47M (deposit + AVD stamp duty HK$1,294,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,208
−HK$6,096/mo
▼ 0.25% · 3.875%
HK$100,232
−HK$3,072/mo
Today · 4.125%
HK$103,304
baseline
▲ 0.50% · 4.625%
HK$109,590
+HK$6,286/mo
Deposit HK$9.14M · loan HK$21.32M · min. income ≈ HK$206,608/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$1,294,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,143
−HK$5,843/mo
▼ 0.25% · 3.875%
HK$111,044
−HK$2,942/mo
Today · 4.125%
HK$113,986
baseline
▲ 0.50% · 4.625%
HK$119,994
+HK$6,008/mo
Deposit HK$9.14M · loan HK$21.32M · min. income ≈ HK$227,972/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$1,294,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,982
−HK$7,838/mo
▼ 0.25% · 3.875%
HK$128,870
−HK$3,950/mo
Today · 4.125%
HK$132,820
baseline
▲ 0.50% · 4.625%
HK$140,901
+HK$8,081/mo
Deposit HK$3.05M · loan HK$27.41M · min. income ≈ HK$265,640/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$1,294,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,041
−HK$7,512/mo
▼ 0.25% · 3.875%
HK$142,770
−HK$3,783/mo
Today · 4.125%
HK$146,553
baseline
▲ 0.50% · 4.625%
HK$154,278
+HK$7,725/mo
Deposit HK$3.05M · loan HK$27.41M · min. income ≈ HK$293,106/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$1,294,139 · Scale 2, in force from 26 Feb 2026)