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$72,563
−HK$4,550/mo
▼ 0.25% · 3.875%
HK$74,820
−HK$2,293/mo
Today · 4.125%
HK$77,113
baseline
▲ 0.50% · 4.625%
HK$81,806
+HK$4,693/mo
Deposit HK$15.91M · loan HK$15.91M · min. income ≈ HK$154,226/mo (50% DSR)
Upfront cash ≈ HK$17.26M (deposit + AVD stamp duty HK$1,352,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,726
−HK$4,361/mo
▼ 0.25% · 3.875%
HK$82,891
−HK$2,196/mo
Today · 4.125%
HK$85,087
baseline
▲ 0.50% · 4.625%
HK$89,572
+HK$4,485/mo
Deposit HK$15.91M · loan HK$15.91M · min. income ≈ HK$170,174/mo (50% DSR)
Upfront cash ≈ HK$17.26M (deposit + AVD stamp duty HK$1,352,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,076
−HK$5,460/mo
▼ 0.25% · 3.875%
HK$89,784
−HK$2,752/mo
Today · 4.125%
HK$92,536
baseline
▲ 0.50% · 4.625%
HK$98,167
+HK$5,631/mo
Deposit HK$12.73M · loan HK$19.09M · min. income ≈ HK$185,072/mo (50% DSR)
Upfront cash ≈ HK$14.08M (deposit + AVD stamp duty HK$1,352,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,871
−HK$5,234/mo
▼ 0.25% · 3.875%
HK$99,469
−HK$2,636/mo
Today · 4.125%
HK$102,105
baseline
▲ 0.50% · 4.625%
HK$107,487
+HK$5,382/mo
Deposit HK$12.73M · loan HK$19.09M · min. income ≈ HK$204,210/mo (50% DSR)
Upfront cash ≈ HK$14.08M (deposit + AVD stamp duty HK$1,352,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,588
−HK$6,371/mo
▼ 0.25% · 3.875%
HK$104,748
−HK$3,211/mo
Today · 4.125%
HK$107,959
baseline
▲ 0.50% · 4.625%
HK$114,528
+HK$6,569/mo
Deposit HK$9.55M · loan HK$22.28M · min. income ≈ HK$215,918/mo (50% DSR)
Upfront cash ≈ HK$10.90M (deposit + AVD stamp duty HK$1,352,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,016
−HK$6,106/mo
▼ 0.25% · 3.875%
HK$116,047
−HK$3,075/mo
Today · 4.125%
HK$119,122
baseline
▲ 0.50% · 4.625%
HK$125,401
+HK$6,279/mo
Deposit HK$9.55M · loan HK$22.28M · min. income ≈ HK$238,244/mo (50% DSR)
Upfront cash ≈ HK$10.90M (deposit + AVD stamp duty HK$1,352,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,614
−HK$8,190/mo
▼ 0.25% · 3.875%
HK$134,676
−HK$4,128/mo
Today · 4.125%
HK$138,804
baseline
▲ 0.50% · 4.625%
HK$147,250
+HK$8,446/mo
Deposit HK$3.18M · loan HK$28.64M · min. income ≈ HK$277,608/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$1,352,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,306
−HK$7,851/mo
▼ 0.25% · 3.875%
HK$149,203
−HK$3,954/mo
Today · 4.125%
HK$153,157
baseline
▲ 0.50% · 4.625%
HK$161,230
+HK$8,073/mo
Deposit HK$3.18M · loan HK$28.64M · min. income ≈ HK$306,314/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$1,352,450 · Scale 2, in force from 26 Feb 2026)