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$70,620
−HK$4,429/mo
▼ 0.25% · 3.875%
HK$72,817
−HK$2,232/mo
Today · 4.125%
HK$75,049
baseline
▲ 0.50% · 4.625%
HK$79,615
+HK$4,566/mo
Deposit HK$15.49M · loan HK$15.49M · min. income ≈ HK$150,098/mo (50% DSR)
Upfront cash ≈ HK$16.80M (deposit + AVD stamp duty HK$1,316,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,564
−HK$4,245/mo
▼ 0.25% · 3.875%
HK$80,671
−HK$2,138/mo
Today · 4.125%
HK$82,809
baseline
▲ 0.50% · 4.625%
HK$87,174
+HK$4,365/mo
Deposit HK$15.49M · loan HK$15.49M · min. income ≈ HK$165,618/mo (50% DSR)
Upfront cash ≈ HK$16.80M (deposit + AVD stamp duty HK$1,316,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,744
−HK$5,314/mo
▼ 0.25% · 3.875%
HK$87,380
−HK$2,678/mo
Today · 4.125%
HK$90,058
baseline
▲ 0.50% · 4.625%
HK$95,538
+HK$5,480/mo
Deposit HK$12.39M · loan HK$18.58M · min. income ≈ HK$180,116/mo (50% DSR)
Upfront cash ≈ HK$13.70M (deposit + AVD stamp duty HK$1,316,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,277
−HK$5,093/mo
▼ 0.25% · 3.875%
HK$96,805
−HK$2,565/mo
Today · 4.125%
HK$99,370
baseline
▲ 0.50% · 4.625%
HK$104,608
+HK$5,238/mo
Deposit HK$12.39M · loan HK$18.58M · min. income ≈ HK$198,740/mo (50% DSR)
Upfront cash ≈ HK$13.70M (deposit + AVD stamp duty HK$1,316,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,868
−HK$6,200/mo
▼ 0.25% · 3.875%
HK$101,943
−HK$3,125/mo
Today · 4.125%
HK$105,068
baseline
▲ 0.50% · 4.625%
HK$111,461
+HK$6,393/mo
Deposit HK$9.29M · loan HK$21.68M · min. income ≈ HK$210,136/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$1,316,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,990
−HK$5,942/mo
▼ 0.25% · 3.875%
HK$112,940
−HK$2,992/mo
Today · 4.125%
HK$115,932
baseline
▲ 0.50% · 4.625%
HK$122,043
+HK$6,111/mo
Deposit HK$9.29M · loan HK$21.68M · min. income ≈ HK$231,864/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$1,316,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,116
−HK$7,971/mo
▼ 0.25% · 3.875%
HK$131,070
−HK$4,017/mo
Today · 4.125%
HK$135,087
baseline
▲ 0.50% · 4.625%
HK$143,307
+HK$8,220/mo
Deposit HK$3.10M · loan HK$27.87M · min. income ≈ HK$270,174/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,316,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,415
−HK$7,641/mo
▼ 0.25% · 3.875%
HK$145,208
−HK$3,848/mo
Today · 4.125%
HK$149,056
baseline
▲ 0.50% · 4.625%
HK$156,913
+HK$7,857/mo
Deposit HK$3.10M · loan HK$27.87M · min. income ≈ HK$298,112/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,316,235 · Scale 2, in force from 26 Feb 2026)