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$71,615
−HK$4,491/mo
▼ 0.25% · 3.875%
HK$73,842
−HK$2,264/mo
Today · 4.125%
HK$76,106
baseline
▲ 0.50% · 4.625%
HK$80,737
+HK$4,631/mo
Deposit HK$15.70M · loan HK$15.70M · min. income ≈ HK$152,212/mo (50% DSR)
Upfront cash ≈ HK$17.04M (deposit + AVD stamp duty HK$1,334,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,671
−HK$4,304/mo
▼ 0.25% · 3.875%
HK$81,807
−HK$2,168/mo
Today · 4.125%
HK$83,975
baseline
▲ 0.50% · 4.625%
HK$88,402
+HK$4,427/mo
Deposit HK$15.70M · loan HK$15.70M · min. income ≈ HK$167,950/mo (50% DSR)
Upfront cash ≈ HK$17.04M (deposit + AVD stamp duty HK$1,334,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,938
−HK$5,389/mo
▼ 0.25% · 3.875%
HK$88,611
−HK$2,716/mo
Today · 4.125%
HK$91,327
baseline
▲ 0.50% · 4.625%
HK$96,884
+HK$5,557/mo
Deposit HK$12.56M · loan HK$18.84M · min. income ≈ HK$182,654/mo (50% DSR)
Upfront cash ≈ HK$13.90M (deposit + AVD stamp duty HK$1,334,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,605
−HK$5,165/mo
▼ 0.25% · 3.875%
HK$98,169
−HK$2,601/mo
Today · 4.125%
HK$100,770
baseline
▲ 0.50% · 4.625%
HK$106,082
+HK$5,312/mo
Deposit HK$12.56M · loan HK$18.84M · min. income ≈ HK$201,540/mo (50% DSR)
Upfront cash ≈ HK$13.90M (deposit + AVD stamp duty HK$1,334,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,261
−HK$6,287/mo
▼ 0.25% · 3.875%
HK$103,379
−HK$3,169/mo
Today · 4.125%
HK$106,548
baseline
▲ 0.50% · 4.625%
HK$113,031
+HK$6,483/mo
Deposit HK$9.42M · loan HK$21.98M · min. income ≈ HK$213,096/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$1,334,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,539
−HK$6,026/mo
▼ 0.25% · 3.875%
HK$114,530
−HK$3,035/mo
Today · 4.125%
HK$117,565
baseline
▲ 0.50% · 4.625%
HK$123,762
+HK$6,197/mo
Deposit HK$9.42M · loan HK$21.98M · min. income ≈ HK$235,130/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$1,334,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,907
−HK$8,083/mo
▼ 0.25% · 3.875%
HK$132,916
−HK$4,074/mo
Today · 4.125%
HK$136,990
baseline
▲ 0.50% · 4.625%
HK$145,326
+HK$8,336/mo
Deposit HK$3.14M · loan HK$28.27M · min. income ≈ HK$273,980/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$1,334,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,407
−HK$7,748/mo
▼ 0.25% · 3.875%
HK$147,253
−HK$3,902/mo
Today · 4.125%
HK$151,155
baseline
▲ 0.50% · 4.625%
HK$159,123
+HK$7,968/mo
Deposit HK$3.14M · loan HK$28.27M · min. income ≈ HK$302,310/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$1,334,776 · Scale 2, in force from 26 Feb 2026)