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$70,468
−HK$4,419/mo
▼ 0.25% · 3.875%
HK$72,660
−HK$2,227/mo
Today · 4.125%
HK$74,887
baseline
▲ 0.50% · 4.625%
HK$79,444
+HK$4,557/mo
Deposit HK$15.45M · loan HK$15.45M · min. income ≈ HK$149,774/mo (50% DSR)
Upfront cash ≈ HK$16.77M (deposit + AVD stamp duty HK$1,313,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,395
−HK$4,236/mo
▼ 0.25% · 3.875%
HK$80,498
−HK$2,133/mo
Today · 4.125%
HK$82,631
baseline
▲ 0.50% · 4.625%
HK$86,987
+HK$4,356/mo
Deposit HK$15.45M · loan HK$15.45M · min. income ≈ HK$165,262/mo (50% DSR)
Upfront cash ≈ HK$16.77M (deposit + AVD stamp duty HK$1,313,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,562
−HK$5,303/mo
▼ 0.25% · 3.875%
HK$87,193
−HK$2,672/mo
Today · 4.125%
HK$89,865
baseline
▲ 0.50% · 4.625%
HK$95,333
+HK$5,468/mo
Deposit HK$12.36M · loan HK$18.54M · min. income ≈ HK$179,730/mo (50% DSR)
Upfront cash ≈ HK$13.67M (deposit + AVD stamp duty HK$1,313,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,075
−HK$5,082/mo
▼ 0.25% · 3.875%
HK$96,598
−HK$2,559/mo
Today · 4.125%
HK$99,157
baseline
▲ 0.50% · 4.625%
HK$104,384
+HK$5,227/mo
Deposit HK$12.36M · loan HK$18.54M · min. income ≈ HK$198,314/mo (50% DSR)
Upfront cash ≈ HK$13.67M (deposit + AVD stamp duty HK$1,313,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,656
−HK$6,186/mo
▼ 0.25% · 3.875%
HK$101,725
−HK$3,117/mo
Today · 4.125%
HK$104,842
baseline
▲ 0.50% · 4.625%
HK$111,222
+HK$6,380/mo
Deposit HK$9.27M · loan HK$21.63M · min. income ≈ HK$209,684/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,313,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,754
−HK$5,929/mo
▼ 0.25% · 3.875%
HK$112,697
−HK$2,986/mo
Today · 4.125%
HK$115,683
baseline
▲ 0.50% · 4.625%
HK$121,781
+HK$6,098/mo
Deposit HK$9.27M · loan HK$21.63M · min. income ≈ HK$231,366/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,313,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,843
−HK$7,954/mo
▼ 0.25% · 3.875%
HK$130,789
−HK$4,008/mo
Today · 4.125%
HK$134,797
baseline
▲ 0.50% · 4.625%
HK$143,000
+HK$8,203/mo
Deposit HK$3.09M · loan HK$27.81M · min. income ≈ HK$269,594/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,313,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,112
−HK$7,624/mo
▼ 0.25% · 3.875%
HK$144,896
−HK$3,840/mo
Today · 4.125%
HK$148,736
baseline
▲ 0.50% · 4.625%
HK$156,576
+HK$7,840/mo
Deposit HK$3.09M · loan HK$27.81M · min. income ≈ HK$297,472/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,313,410 · Scale 2, in force from 26 Feb 2026)