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$71,871
−HK$4,507/mo
▼ 0.25% · 3.875%
HK$74,106
−HK$2,272/mo
Today · 4.125%
HK$76,378
baseline
▲ 0.50% · 4.625%
HK$81,025
+HK$4,647/mo
Deposit HK$15.76M · loan HK$15.76M · min. income ≈ HK$152,756/mo (50% DSR)
Upfront cash ≈ HK$17.10M (deposit + AVD stamp duty HK$1,339,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,955
−HK$4,320/mo
▼ 0.25% · 3.875%
HK$82,100
−HK$2,175/mo
Today · 4.125%
HK$84,275
baseline
▲ 0.50% · 4.625%
HK$88,717
+HK$4,442/mo
Deposit HK$15.76M · loan HK$15.76M · min. income ≈ HK$168,550/mo (50% DSR)
Upfront cash ≈ HK$17.10M (deposit + AVD stamp duty HK$1,339,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,245
−HK$5,408/mo
▼ 0.25% · 3.875%
HK$88,928
−HK$2,725/mo
Today · 4.125%
HK$91,653
baseline
▲ 0.50% · 4.625%
HK$97,230
+HK$5,577/mo
Deposit HK$12.61M · loan HK$18.91M · min. income ≈ HK$183,306/mo (50% DSR)
Upfront cash ≈ HK$13.95M (deposit + AVD stamp duty HK$1,339,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,946
−HK$5,184/mo
▼ 0.25% · 3.875%
HK$98,520
−HK$2,610/mo
Today · 4.125%
HK$101,130
baseline
▲ 0.50% · 4.625%
HK$106,461
+HK$5,331/mo
Deposit HK$12.61M · loan HK$18.91M · min. income ≈ HK$202,260/mo (50% DSR)
Upfront cash ≈ HK$13.95M (deposit + AVD stamp duty HK$1,339,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,619
−HK$6,310/mo
▼ 0.25% · 3.875%
HK$103,749
−HK$3,180/mo
Today · 4.125%
HK$106,929
baseline
▲ 0.50% · 4.625%
HK$113,435
+HK$6,506/mo
Deposit HK$9.46M · loan HK$22.06M · min. income ≈ HK$213,858/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$1,339,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,938
−HK$6,047/mo
▼ 0.25% · 3.875%
HK$114,940
−HK$3,045/mo
Today · 4.125%
HK$117,985
baseline
▲ 0.50% · 4.625%
HK$124,204
+HK$6,219/mo
Deposit HK$9.46M · loan HK$22.06M · min. income ≈ HK$235,970/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$1,339,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,367
−HK$8,113/mo
▼ 0.25% · 3.875%
HK$133,391
−HK$4,089/mo
Today · 4.125%
HK$137,480
baseline
▲ 0.50% · 4.625%
HK$145,845
+HK$8,365/mo
Deposit HK$3.15M · loan HK$28.37M · min. income ≈ HK$274,960/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$1,339,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,920
−HK$7,775/mo
▼ 0.25% · 3.875%
HK$147,780
−HK$3,915/mo
Today · 4.125%
HK$151,695
baseline
▲ 0.50% · 4.625%
HK$159,691
+HK$7,996/mo
Deposit HK$3.15M · loan HK$28.37M · min. income ≈ HK$303,390/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$1,339,545 · Scale 2, in force from 26 Feb 2026)