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$71,750
−HK$4,500/mo
▼ 0.25% · 3.875%
HK$73,982
−HK$2,268/mo
Today · 4.125%
HK$76,250
baseline
▲ 0.50% · 4.625%
HK$80,889
+HK$4,639/mo
Deposit HK$15.73M · loan HK$15.73M · min. income ≈ HK$152,500/mo (50% DSR)
Upfront cash ≈ HK$17.07M (deposit + AVD stamp duty HK$1,337,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,821
−HK$4,313/mo
▼ 0.25% · 3.875%
HK$81,962
−HK$2,172/mo
Today · 4.125%
HK$84,134
baseline
▲ 0.50% · 4.625%
HK$88,569
+HK$4,435/mo
Deposit HK$15.73M · loan HK$15.73M · min. income ≈ HK$168,268/mo (50% DSR)
Upfront cash ≈ HK$17.07M (deposit + AVD stamp duty HK$1,337,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,100
−HK$5,400/mo
▼ 0.25% · 3.875%
HK$88,779
−HK$2,721/mo
Today · 4.125%
HK$91,500
baseline
▲ 0.50% · 4.625%
HK$97,067
+HK$5,567/mo
Deposit HK$12.59M · loan HK$18.88M · min. income ≈ HK$183,000/mo (50% DSR)
Upfront cash ≈ HK$13.92M (deposit + AVD stamp duty HK$1,337,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,786
−HK$5,175/mo
▼ 0.25% · 3.875%
HK$98,355
−HK$2,606/mo
Today · 4.125%
HK$100,961
baseline
▲ 0.50% · 4.625%
HK$106,283
+HK$5,322/mo
Deposit HK$12.59M · loan HK$18.88M · min. income ≈ HK$201,922/mo (50% DSR)
Upfront cash ≈ HK$13.92M (deposit + AVD stamp duty HK$1,337,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,450
−HK$6,299/mo
▼ 0.25% · 3.875%
HK$103,575
−HK$3,174/mo
Today · 4.125%
HK$106,749
baseline
▲ 0.50% · 4.625%
HK$113,245
+HK$6,496/mo
Deposit HK$9.44M · loan HK$22.03M · min. income ≈ HK$213,498/mo (50% DSR)
Upfront cash ≈ HK$10.78M (deposit + AVD stamp duty HK$1,337,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,750
−HK$6,038/mo
▼ 0.25% · 3.875%
HK$114,747
−HK$3,041/mo
Today · 4.125%
HK$117,788
baseline
▲ 0.50% · 4.625%
HK$123,996
+HK$6,208/mo
Deposit HK$9.44M · loan HK$22.03M · min. income ≈ HK$235,576/mo (50% DSR)
Upfront cash ≈ HK$10.78M (deposit + AVD stamp duty HK$1,337,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,150
−HK$8,099/mo
▼ 0.25% · 3.875%
HK$133,168
−HK$4,081/mo
Today · 4.125%
HK$137,249
baseline
▲ 0.50% · 4.625%
HK$145,601
+HK$8,352/mo
Deposit HK$3.15M · loan HK$28.32M · min. income ≈ HK$274,498/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$1,337,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,679
−HK$7,762/mo
▼ 0.25% · 3.875%
HK$147,532
−HK$3,909/mo
Today · 4.125%
HK$151,441
baseline
▲ 0.50% · 4.625%
HK$159,424
+HK$7,983/mo
Deposit HK$3.15M · loan HK$28.32M · min. income ≈ HK$302,882/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$1,337,300 · Scale 2, in force from 26 Feb 2026)