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$73,985
−HK$4,640/mo
▼ 0.25% · 3.875%
HK$76,286
−HK$2,339/mo
Today · 4.125%
HK$78,625
baseline
▲ 0.50% · 4.625%
HK$83,409
+HK$4,784/mo
Deposit HK$16.22M · loan HK$16.22M · min. income ≈ HK$157,250/mo (50% DSR)
Upfront cash ≈ HK$17.60M (deposit + AVD stamp duty HK$1,378,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,308
−HK$4,446/mo
▼ 0.25% · 3.875%
HK$84,515
−HK$2,239/mo
Today · 4.125%
HK$86,754
baseline
▲ 0.50% · 4.625%
HK$91,327
+HK$4,573/mo
Deposit HK$16.22M · loan HK$16.22M · min. income ≈ HK$173,508/mo (50% DSR)
Upfront cash ≈ HK$17.60M (deposit + AVD stamp duty HK$1,378,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,782
−HK$5,567/mo
▼ 0.25% · 3.875%
HK$91,544
−HK$2,805/mo
Today · 4.125%
HK$94,349
baseline
▲ 0.50% · 4.625%
HK$100,090
+HK$5,741/mo
Deposit HK$12.98M · loan HK$19.47M · min. income ≈ HK$188,698/mo (50% DSR)
Upfront cash ≈ HK$14.36M (deposit + AVD stamp duty HK$1,378,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,769
−HK$5,336/mo
▼ 0.25% · 3.875%
HK$101,418
−HK$2,687/mo
Today · 4.125%
HK$104,105
baseline
▲ 0.50% · 4.625%
HK$109,593
+HK$5,488/mo
Deposit HK$12.98M · loan HK$19.47M · min. income ≈ HK$208,210/mo (50% DSR)
Upfront cash ≈ HK$14.36M (deposit + AVD stamp duty HK$1,378,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,579
−HK$6,495/mo
▼ 0.25% · 3.875%
HK$106,801
−HK$3,273/mo
Today · 4.125%
HK$110,074
baseline
▲ 0.50% · 4.625%
HK$116,772
+HK$6,698/mo
Deposit HK$9.73M · loan HK$22.71M · min. income ≈ HK$220,148/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,378,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,231
−HK$6,225/mo
▼ 0.25% · 3.875%
HK$118,321
−HK$3,135/mo
Today · 4.125%
HK$121,456
baseline
▲ 0.50% · 4.625%
HK$127,858
+HK$6,402/mo
Deposit HK$9.73M · loan HK$22.71M · min. income ≈ HK$242,912/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,378,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,173
−HK$8,351/mo
▼ 0.25% · 3.875%
HK$137,315
−HK$4,209/mo
Today · 4.125%
HK$141,524
baseline
▲ 0.50% · 4.625%
HK$150,136
+HK$8,612/mo
Deposit HK$3.24M · loan HK$29.20M · min. income ≈ HK$283,048/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,378,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,154
−HK$8,004/mo
▼ 0.25% · 3.875%
HK$152,127
−HK$4,031/mo
Today · 4.125%
HK$156,158
baseline
▲ 0.50% · 4.625%
HK$164,389
+HK$8,231/mo
Deposit HK$3.24M · loan HK$29.20M · min. income ≈ HK$312,316/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,378,952 · Scale 2, in force from 26 Feb 2026)