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$69,191
−HK$4,339/mo
▼ 0.25% · 3.875%
HK$71,343
−HK$2,187/mo
Today · 4.125%
HK$73,530
baseline
▲ 0.50% · 4.625%
HK$78,004
+HK$4,474/mo
Deposit HK$15.17M · loan HK$15.17M · min. income ≈ HK$147,060/mo (50% DSR)
Upfront cash ≈ HK$16.46M (deposit + AVD stamp duty HK$1,289,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,974
−HK$4,159/mo
▼ 0.25% · 3.875%
HK$79,038
−HK$2,095/mo
Today · 4.125%
HK$81,133
baseline
▲ 0.50% · 4.625%
HK$85,409
+HK$4,276/mo
Deposit HK$15.17M · loan HK$15.17M · min. income ≈ HK$162,266/mo (50% DSR)
Upfront cash ≈ HK$16.46M (deposit + AVD stamp duty HK$1,289,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,029
−HK$5,207/mo
▼ 0.25% · 3.875%
HK$85,612
−HK$2,624/mo
Today · 4.125%
HK$88,236
baseline
▲ 0.50% · 4.625%
HK$93,605
+HK$5,369/mo
Deposit HK$12.14M · loan HK$18.21M · min. income ≈ HK$176,472/mo (50% DSR)
Upfront cash ≈ HK$13.43M (deposit + AVD stamp duty HK$1,289,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,369
−HK$4,990/mo
▼ 0.25% · 3.875%
HK$94,846
−HK$2,513/mo
Today · 4.125%
HK$97,359
baseline
▲ 0.50% · 4.625%
HK$102,491
+HK$5,132/mo
Deposit HK$12.14M · loan HK$18.21M · min. income ≈ HK$194,718/mo (50% DSR)
Upfront cash ≈ HK$13.43M (deposit + AVD stamp duty HK$1,289,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,867
−HK$6,075/mo
▼ 0.25% · 3.875%
HK$99,880
−HK$3,062/mo
Today · 4.125%
HK$102,942
baseline
▲ 0.50% · 4.625%
HK$109,205
+HK$6,263/mo
Deposit HK$9.10M · loan HK$21.24M · min. income ≈ HK$205,884/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$1,289,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,764
−HK$5,822/mo
▼ 0.25% · 3.875%
HK$110,654
−HK$2,932/mo
Today · 4.125%
HK$113,586
baseline
▲ 0.50% · 4.625%
HK$119,573
+HK$5,987/mo
Deposit HK$9.10M · loan HK$21.24M · min. income ≈ HK$227,172/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$1,289,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,543
−HK$7,810/mo
▼ 0.25% · 3.875%
HK$128,417
−HK$3,936/mo
Today · 4.125%
HK$132,353
baseline
▲ 0.50% · 4.625%
HK$140,407
+HK$8,054/mo
Deposit HK$3.03M · loan HK$27.31M · min. income ≈ HK$264,706/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$1,289,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,553
−HK$7,486/mo
▼ 0.25% · 3.875%
HK$142,269
−HK$3,770/mo
Today · 4.125%
HK$146,039
baseline
▲ 0.50% · 4.625%
HK$153,737
+HK$7,698/mo
Deposit HK$3.03M · loan HK$27.31M · min. income ≈ HK$292,078/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$1,289,596 · Scale 2, in force from 26 Feb 2026)