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$70,917
−HK$4,447/mo
▼ 0.25% · 3.875%
HK$73,123
−HK$2,241/mo
Today · 4.125%
HK$75,364
baseline
▲ 0.50% · 4.625%
HK$79,950
+HK$4,586/mo
Deposit HK$15.55M · loan HK$15.55M · min. income ≈ HK$150,728/mo (50% DSR)
Upfront cash ≈ HK$16.87M (deposit + AVD stamp duty HK$1,321,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,894
−HK$4,263/mo
▼ 0.25% · 3.875%
HK$81,010
−HK$2,147/mo
Today · 4.125%
HK$83,157
baseline
▲ 0.50% · 4.625%
HK$87,540
+HK$4,383/mo
Deposit HK$15.55M · loan HK$15.55M · min. income ≈ HK$166,314/mo (50% DSR)
Upfront cash ≈ HK$16.87M (deposit + AVD stamp duty HK$1,321,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,100
−HK$5,337/mo
▼ 0.25% · 3.875%
HK$87,747
−HK$2,690/mo
Today · 4.125%
HK$90,437
baseline
▲ 0.50% · 4.625%
HK$95,939
+HK$5,502/mo
Deposit HK$12.44M · loan HK$18.66M · min. income ≈ HK$180,874/mo (50% DSR)
Upfront cash ≈ HK$13.76M (deposit + AVD stamp duty HK$1,321,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,673
−HK$5,115/mo
▼ 0.25% · 3.875%
HK$97,212
−HK$2,576/mo
Today · 4.125%
HK$99,788
baseline
▲ 0.50% · 4.625%
HK$105,048
+HK$5,260/mo
Deposit HK$12.44M · loan HK$18.66M · min. income ≈ HK$199,576/mo (50% DSR)
Upfront cash ≈ HK$13.76M (deposit + AVD stamp duty HK$1,321,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,283
−HK$6,226/mo
▼ 0.25% · 3.875%
HK$102,372
−HK$3,137/mo
Today · 4.125%
HK$105,509
baseline
▲ 0.50% · 4.625%
HK$111,929
+HK$6,420/mo
Deposit HK$9.33M · loan HK$21.77M · min. income ≈ HK$211,018/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$1,321,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,452
−HK$5,967/mo
▼ 0.25% · 3.875%
HK$113,414
−HK$3,005/mo
Today · 4.125%
HK$116,419
baseline
▲ 0.50% · 4.625%
HK$122,556
+HK$6,137/mo
Deposit HK$9.33M · loan HK$21.77M · min. income ≈ HK$232,838/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$1,321,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,650
−HK$8,005/mo
▼ 0.25% · 3.875%
HK$131,621
−HK$4,034/mo
Today · 4.125%
HK$135,655
baseline
▲ 0.50% · 4.625%
HK$143,909
+HK$8,254/mo
Deposit HK$3.11M · loan HK$27.99M · min. income ≈ HK$271,310/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$1,321,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,009
−HK$7,673/mo
▼ 0.25% · 3.875%
HK$145,818
−HK$3,864/mo
Today · 4.125%
HK$149,682
baseline
▲ 0.50% · 4.625%
HK$157,572
+HK$7,890/mo
Deposit HK$3.11M · loan HK$27.99M · min. income ≈ HK$299,364/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$1,321,764 · Scale 2, in force from 26 Feb 2026)