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$69,146
−HK$4,336/mo
▼ 0.25% · 3.875%
HK$71,297
−HK$2,185/mo
Today · 4.125%
HK$73,482
baseline
▲ 0.50% · 4.625%
HK$77,953
+HK$4,471/mo
Deposit HK$15.16M · loan HK$15.16M · min. income ≈ HK$146,964/mo (50% DSR)
Upfront cash ≈ HK$16.45M (deposit + AVD stamp duty HK$1,288,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,924
−HK$4,156/mo
▼ 0.25% · 3.875%
HK$78,987
−HK$2,093/mo
Today · 4.125%
HK$81,080
baseline
▲ 0.50% · 4.625%
HK$85,354
+HK$4,274/mo
Deposit HK$15.16M · loan HK$15.16M · min. income ≈ HK$162,160/mo (50% DSR)
Upfront cash ≈ HK$16.45M (deposit + AVD stamp duty HK$1,288,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,975
−HK$5,203/mo
▼ 0.25% · 3.875%
HK$85,556
−HK$2,622/mo
Today · 4.125%
HK$88,178
baseline
▲ 0.50% · 4.625%
HK$93,544
+HK$5,366/mo
Deposit HK$12.13M · loan HK$18.19M · min. income ≈ HK$176,356/mo (50% DSR)
Upfront cash ≈ HK$13.42M (deposit + AVD stamp duty HK$1,288,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,309
−HK$4,987/mo
▼ 0.25% · 3.875%
HK$94,785
−HK$2,511/mo
Today · 4.125%
HK$97,296
baseline
▲ 0.50% · 4.625%
HK$102,425
+HK$5,129/mo
Deposit HK$12.13M · loan HK$18.19M · min. income ≈ HK$194,592/mo (50% DSR)
Upfront cash ≈ HK$13.42M (deposit + AVD stamp duty HK$1,288,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,804
−HK$6,071/mo
▼ 0.25% · 3.875%
HK$99,815
−HK$3,060/mo
Today · 4.125%
HK$102,875
baseline
▲ 0.50% · 4.625%
HK$109,134
+HK$6,259/mo
Deposit HK$9.10M · loan HK$21.23M · min. income ≈ HK$205,750/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$1,288,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,694
−HK$5,818/mo
▼ 0.25% · 3.875%
HK$110,582
−HK$2,930/mo
Today · 4.125%
HK$113,512
baseline
▲ 0.50% · 4.625%
HK$119,495
+HK$5,983/mo
Deposit HK$9.10M · loan HK$21.23M · min. income ≈ HK$227,024/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$1,288,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,463
−HK$7,804/mo
▼ 0.25% · 3.875%
HK$128,334
−HK$3,933/mo
Today · 4.125%
HK$132,267
baseline
▲ 0.50% · 4.625%
HK$140,316
+HK$8,049/mo
Deposit HK$3.03M · loan HK$27.29M · min. income ≈ HK$264,534/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$1,288,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,463
−HK$7,481/mo
▼ 0.25% · 3.875%
HK$142,177
−HK$3,767/mo
Today · 4.125%
HK$145,944
baseline
▲ 0.50% · 4.625%
HK$153,637
+HK$7,693/mo
Deposit HK$3.03M · loan HK$27.29M · min. income ≈ HK$291,888/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$1,288,759 · Scale 2, in force from 26 Feb 2026)