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$69,879
−HK$4,382/mo
▼ 0.25% · 3.875%
HK$72,053
−HK$2,208/mo
Today · 4.125%
HK$74,261
baseline
▲ 0.50% · 4.625%
HK$78,779
+HK$4,518/mo
Deposit HK$15.32M · loan HK$15.32M · min. income ≈ HK$148,522/mo (50% DSR)
Upfront cash ≈ HK$16.63M (deposit + AVD stamp duty HK$1,302,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,740
−HK$4,200/mo
▼ 0.25% · 3.875%
HK$79,824
−HK$2,116/mo
Today · 4.125%
HK$81,940
baseline
▲ 0.50% · 4.625%
HK$86,259
+HK$4,319/mo
Deposit HK$15.32M · loan HK$15.32M · min. income ≈ HK$163,880/mo (50% DSR)
Upfront cash ≈ HK$16.63M (deposit + AVD stamp duty HK$1,302,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,855
−HK$5,258/mo
▼ 0.25% · 3.875%
HK$86,463
−HK$2,650/mo
Today · 4.125%
HK$89,113
baseline
▲ 0.50% · 4.625%
HK$94,535
+HK$5,422/mo
Deposit HK$12.26M · loan HK$18.39M · min. income ≈ HK$178,226/mo (50% DSR)
Upfront cash ≈ HK$13.56M (deposit + AVD stamp duty HK$1,302,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,287
−HK$5,040/mo
▼ 0.25% · 3.875%
HK$95,789
−HK$2,538/mo
Today · 4.125%
HK$98,327
baseline
▲ 0.50% · 4.625%
HK$103,510
+HK$5,183/mo
Deposit HK$12.26M · loan HK$18.39M · min. income ≈ HK$196,654/mo (50% DSR)
Upfront cash ≈ HK$13.56M (deposit + AVD stamp duty HK$1,302,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,830
−HK$6,135/mo
▼ 0.25% · 3.875%
HK$100,874
−HK$3,091/mo
Today · 4.125%
HK$103,965
baseline
▲ 0.50% · 4.625%
HK$110,291
+HK$6,326/mo
Deposit HK$9.19M · loan HK$21.45M · min. income ≈ HK$207,930/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$1,302,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,835
−HK$5,880/mo
▼ 0.25% · 3.875%
HK$111,754
−HK$2,961/mo
Today · 4.125%
HK$114,715
baseline
▲ 0.50% · 4.625%
HK$120,762
+HK$6,047/mo
Deposit HK$9.19M · loan HK$21.45M · min. income ≈ HK$229,430/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$1,302,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,782
−HK$7,888/mo
▼ 0.25% · 3.875%
HK$129,695
−HK$3,975/mo
Today · 4.125%
HK$133,670
baseline
▲ 0.50% · 4.625%
HK$141,803
+HK$8,133/mo
Deposit HK$3.06M · loan HK$27.58M · min. income ≈ HK$267,340/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$1,302,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,931
−HK$7,560/mo
▼ 0.25% · 3.875%
HK$143,684
−HK$3,807/mo
Today · 4.125%
HK$147,491
baseline
▲ 0.50% · 4.625%
HK$155,266
+HK$7,775/mo
Deposit HK$3.06M · loan HK$27.58M · min. income ≈ HK$294,982/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$1,302,421 · Scale 2, in force from 26 Feb 2026)