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$71,542
−HK$4,486/mo
▼ 0.25% · 3.875%
HK$73,768
−HK$2,260/mo
Today · 4.125%
HK$76,028
baseline
▲ 0.50% · 4.625%
HK$80,655
+HK$4,627/mo
Deposit HK$15.69M · loan HK$15.69M · min. income ≈ HK$152,056/mo (50% DSR)
Upfront cash ≈ HK$17.02M (deposit + AVD stamp duty HK$1,333,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,590
−HK$4,300/mo
▼ 0.25% · 3.875%
HK$81,724
−HK$2,166/mo
Today · 4.125%
HK$83,890
baseline
▲ 0.50% · 4.625%
HK$88,312
+HK$4,422/mo
Deposit HK$15.69M · loan HK$15.69M · min. income ≈ HK$167,780/mo (50% DSR)
Upfront cash ≈ HK$17.02M (deposit + AVD stamp duty HK$1,333,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,851
−HK$5,383/mo
▼ 0.25% · 3.875%
HK$88,521
−HK$2,713/mo
Today · 4.125%
HK$91,234
baseline
▲ 0.50% · 4.625%
HK$96,786
+HK$5,552/mo
Deposit HK$12.55M · loan HK$18.82M · min. income ≈ HK$182,468/mo (50% DSR)
Upfront cash ≈ HK$13.88M (deposit + AVD stamp duty HK$1,333,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,508
−HK$5,160/mo
▼ 0.25% · 3.875%
HK$98,069
−HK$2,599/mo
Today · 4.125%
HK$100,668
baseline
▲ 0.50% · 4.625%
HK$105,974
+HK$5,306/mo
Deposit HK$12.55M · loan HK$18.82M · min. income ≈ HK$201,336/mo (50% DSR)
Upfront cash ≈ HK$13.88M (deposit + AVD stamp duty HK$1,333,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,159
−HK$6,281/mo
▼ 0.25% · 3.875%
HK$103,275
−HK$3,165/mo
Today · 4.125%
HK$106,440
baseline
▲ 0.50% · 4.625%
HK$112,916
+HK$6,476/mo
Deposit HK$9.41M · loan HK$21.96M · min. income ≈ HK$212,880/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$1,333,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,426
−HK$6,020/mo
▼ 0.25% · 3.875%
HK$114,414
−HK$3,032/mo
Today · 4.125%
HK$117,446
baseline
▲ 0.50% · 4.625%
HK$123,637
+HK$6,191/mo
Deposit HK$9.41M · loan HK$21.96M · min. income ≈ HK$234,892/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$1,333,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,776
−HK$8,075/mo
▼ 0.25% · 3.875%
HK$132,782
−HK$4,069/mo
Today · 4.125%
HK$136,851
baseline
▲ 0.50% · 4.625%
HK$145,178
+HK$8,327/mo
Deposit HK$3.14M · loan HK$28.24M · min. income ≈ HK$273,702/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$1,333,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,262
−HK$7,740/mo
▼ 0.25% · 3.875%
HK$147,104
−HK$3,898/mo
Today · 4.125%
HK$151,002
baseline
▲ 0.50% · 4.625%
HK$158,961
+HK$7,959/mo
Deposit HK$3.14M · loan HK$28.24M · min. income ≈ HK$302,004/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$1,333,421 · Scale 2, in force from 26 Feb 2026)