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$72,993
−HK$4,577/mo
▼ 0.25% · 3.875%
HK$75,263
−HK$2,307/mo
Today · 4.125%
HK$77,570
baseline
▲ 0.50% · 4.625%
HK$82,290
+HK$4,720/mo
Deposit HK$16.01M · loan HK$16.01M · min. income ≈ HK$155,140/mo (50% DSR)
Upfront cash ≈ HK$17.37M (deposit + AVD stamp duty HK$1,360,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,204
−HK$4,387/mo
▼ 0.25% · 3.875%
HK$83,382
−HK$2,209/mo
Today · 4.125%
HK$85,591
baseline
▲ 0.50% · 4.625%
HK$90,103
+HK$4,512/mo
Deposit HK$16.01M · loan HK$16.01M · min. income ≈ HK$171,182/mo (50% DSR)
Upfront cash ≈ HK$17.37M (deposit + AVD stamp duty HK$1,360,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,592
−HK$5,492/mo
▼ 0.25% · 3.875%
HK$90,316
−HK$2,768/mo
Today · 4.125%
HK$93,084
baseline
▲ 0.50% · 4.625%
HK$98,748
+HK$5,664/mo
Deposit HK$12.80M · loan HK$19.21M · min. income ≈ HK$186,168/mo (50% DSR)
Upfront cash ≈ HK$14.16M (deposit + AVD stamp duty HK$1,360,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,445
−HK$5,264/mo
▼ 0.25% · 3.875%
HK$100,058
−HK$2,651/mo
Today · 4.125%
HK$102,709
baseline
▲ 0.50% · 4.625%
HK$108,123
+HK$5,414/mo
Deposit HK$12.80M · loan HK$19.21M · min. income ≈ HK$205,418/mo (50% DSR)
Upfront cash ≈ HK$14.16M (deposit + AVD stamp duty HK$1,360,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,190
−HK$6,408/mo
▼ 0.25% · 3.875%
HK$105,369
−HK$3,229/mo
Today · 4.125%
HK$108,598
baseline
▲ 0.50% · 4.625%
HK$115,206
+HK$6,608/mo
Deposit HK$9.60M · loan HK$22.41M · min. income ≈ HK$217,196/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$1,360,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,686
−HK$6,142/mo
▼ 0.25% · 3.875%
HK$116,735
−HK$3,093/mo
Today · 4.125%
HK$119,828
baseline
▲ 0.50% · 4.625%
HK$126,144
+HK$6,316/mo
Deposit HK$9.60M · loan HK$22.41M · min. income ≈ HK$239,656/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$1,360,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,387
−HK$8,239/mo
▼ 0.25% · 3.875%
HK$135,474
−HK$4,152/mo
Today · 4.125%
HK$139,626
baseline
▲ 0.50% · 4.625%
HK$148,122
+HK$8,496/mo
Deposit HK$3.20M · loan HK$28.81M · min. income ≈ HK$279,252/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$1,360,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,167
−HK$7,897/mo
▼ 0.25% · 3.875%
HK$150,087
−HK$3,977/mo
Today · 4.125%
HK$154,064
baseline
▲ 0.50% · 4.625%
HK$162,185
+HK$8,121/mo
Deposit HK$3.20M · loan HK$28.81M · min. income ≈ HK$308,128/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$1,360,462 · Scale 2, in force from 26 Feb 2026)