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$73,593
−HK$4,615/mo
▼ 0.25% · 3.875%
HK$75,882
−HK$2,326/mo
Today · 4.125%
HK$78,208
baseline
▲ 0.50% · 4.625%
HK$82,966
+HK$4,758/mo
Deposit HK$16.14M · loan HK$16.14M · min. income ≈ HK$156,416/mo (50% DSR)
Upfront cash ≈ HK$17.51M (deposit + AVD stamp duty HK$1,371,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,871
−HK$4,423/mo
▼ 0.25% · 3.875%
HK$84,067
−HK$2,227/mo
Today · 4.125%
HK$86,294
baseline
▲ 0.50% · 4.625%
HK$90,843
+HK$4,549/mo
Deposit HK$16.14M · loan HK$16.14M · min. income ≈ HK$172,588/mo (50% DSR)
Upfront cash ≈ HK$17.51M (deposit + AVD stamp duty HK$1,371,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,311
−HK$5,538/mo
▼ 0.25% · 3.875%
HK$91,058
−HK$2,791/mo
Today · 4.125%
HK$93,849
baseline
▲ 0.50% · 4.625%
HK$99,560
+HK$5,711/mo
Deposit HK$12.91M · loan HK$19.36M · min. income ≈ HK$187,698/mo (50% DSR)
Upfront cash ≈ HK$14.28M (deposit + AVD stamp duty HK$1,371,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,245
−HK$5,308/mo
▼ 0.25% · 3.875%
HK$100,880
−HK$2,673/mo
Today · 4.125%
HK$103,553
baseline
▲ 0.50% · 4.625%
HK$109,012
+HK$5,459/mo
Deposit HK$12.91M · loan HK$19.36M · min. income ≈ HK$207,106/mo (50% DSR)
Upfront cash ≈ HK$14.28M (deposit + AVD stamp duty HK$1,371,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,030
−HK$6,461/mo
▼ 0.25% · 3.875%
HK$106,235
−HK$3,256/mo
Today · 4.125%
HK$109,491
baseline
▲ 0.50% · 4.625%
HK$116,153
+HK$6,662/mo
Deposit HK$9.68M · loan HK$22.59M · min. income ≈ HK$218,982/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$1,371,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,620
−HK$6,192/mo
▼ 0.25% · 3.875%
HK$117,694
−HK$3,118/mo
Today · 4.125%
HK$120,812
baseline
▲ 0.50% · 4.625%
HK$127,180
+HK$6,368/mo
Deposit HK$9.68M · loan HK$22.59M · min. income ≈ HK$241,624/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$1,371,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,467
−HK$8,307/mo
▼ 0.25% · 3.875%
HK$136,587
−HK$4,187/mo
Today · 4.125%
HK$140,774
baseline
▲ 0.50% · 4.625%
HK$149,340
+HK$8,566/mo
Deposit HK$3.23M · loan HK$29.05M · min. income ≈ HK$281,548/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$1,371,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,368
−HK$7,962/mo
▼ 0.25% · 3.875%
HK$151,321
−HK$4,009/mo
Today · 4.125%
HK$155,330
baseline
▲ 0.50% · 4.625%
HK$163,518
+HK$8,188/mo
Deposit HK$3.23M · loan HK$29.05M · min. income ≈ HK$310,660/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$1,371,641 · Scale 2, in force from 26 Feb 2026)