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$73,577
−HK$4,614/mo
▼ 0.25% · 3.875%
HK$75,865
−HK$2,326/mo
Today · 4.125%
HK$78,191
baseline
▲ 0.50% · 4.625%
HK$82,948
+HK$4,757/mo
Deposit HK$16.13M · loan HK$16.13M · min. income ≈ HK$156,382/mo (50% DSR)
Upfront cash ≈ HK$17.50M (deposit + AVD stamp duty HK$1,371,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,853
−HK$4,423/mo
▼ 0.25% · 3.875%
HK$84,048
−HK$2,228/mo
Today · 4.125%
HK$86,276
baseline
▲ 0.50% · 4.625%
HK$90,823
+HK$4,547/mo
Deposit HK$16.13M · loan HK$16.13M · min. income ≈ HK$172,552/mo (50% DSR)
Upfront cash ≈ HK$17.50M (deposit + AVD stamp duty HK$1,371,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,292
−HK$5,537/mo
▼ 0.25% · 3.875%
HK$91,038
−HK$2,791/mo
Today · 4.125%
HK$93,829
baseline
▲ 0.50% · 4.625%
HK$99,538
+HK$5,709/mo
Deposit HK$12.91M · loan HK$19.36M · min. income ≈ HK$187,658/mo (50% DSR)
Upfront cash ≈ HK$14.28M (deposit + AVD stamp duty HK$1,371,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,224
−HK$5,307/mo
▼ 0.25% · 3.875%
HK$100,858
−HK$2,673/mo
Today · 4.125%
HK$103,531
baseline
▲ 0.50% · 4.625%
HK$108,988
+HK$5,457/mo
Deposit HK$12.91M · loan HK$19.36M · min. income ≈ HK$207,062/mo (50% DSR)
Upfront cash ≈ HK$14.28M (deposit + AVD stamp duty HK$1,371,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,007
−HK$6,460/mo
▼ 0.25% · 3.875%
HK$106,211
−HK$3,256/mo
Today · 4.125%
HK$109,467
baseline
▲ 0.50% · 4.625%
HK$116,127
+HK$6,660/mo
Deposit HK$9.68M · loan HK$22.59M · min. income ≈ HK$218,934/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$1,371,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,595
−HK$6,191/mo
▼ 0.25% · 3.875%
HK$117,668
−HK$3,118/mo
Today · 4.125%
HK$120,786
baseline
▲ 0.50% · 4.625%
HK$127,152
+HK$6,366/mo
Deposit HK$9.68M · loan HK$22.59M · min. income ≈ HK$241,572/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$1,371,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,438
−HK$8,305/mo
▼ 0.25% · 3.875%
HK$136,557
−HK$4,186/mo
Today · 4.125%
HK$140,743
baseline
▲ 0.50% · 4.625%
HK$149,307
+HK$8,564/mo
Deposit HK$3.23M · loan HK$29.04M · min. income ≈ HK$281,486/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$1,371,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,336
−HK$7,960/mo
▼ 0.25% · 3.875%
HK$151,287
−HK$4,009/mo
Today · 4.125%
HK$155,296
baseline
▲ 0.50% · 4.625%
HK$163,482
+HK$8,186/mo
Deposit HK$3.23M · loan HK$29.04M · min. income ≈ HK$310,592/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$1,371,340 · Scale 2, in force from 26 Feb 2026)