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$71,459
−HK$4,481/mo
▼ 0.25% · 3.875%
HK$73,682
−HK$2,258/mo
Today · 4.125%
HK$75,940
baseline
▲ 0.50% · 4.625%
HK$80,561
+HK$4,621/mo
Deposit HK$15.67M · loan HK$15.67M · min. income ≈ HK$151,880/mo (50% DSR)
Upfront cash ≈ HK$17.00M (deposit + AVD stamp duty HK$1,331,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,497
−HK$4,295/mo
▼ 0.25% · 3.875%
HK$81,629
−HK$2,163/mo
Today · 4.125%
HK$83,792
baseline
▲ 0.50% · 4.625%
HK$88,209
+HK$4,417/mo
Deposit HK$15.67M · loan HK$15.67M · min. income ≈ HK$167,584/mo (50% DSR)
Upfront cash ≈ HK$17.00M (deposit + AVD stamp duty HK$1,331,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,750
−HK$5,378/mo
▼ 0.25% · 3.875%
HK$88,418
−HK$2,710/mo
Today · 4.125%
HK$91,128
baseline
▲ 0.50% · 4.625%
HK$96,673
+HK$5,545/mo
Deposit HK$12.54M · loan HK$18.80M · min. income ≈ HK$182,256/mo (50% DSR)
Upfront cash ≈ HK$13.87M (deposit + AVD stamp duty HK$1,331,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,397
−HK$5,154/mo
▼ 0.25% · 3.875%
HK$97,955
−HK$2,596/mo
Today · 4.125%
HK$100,551
baseline
▲ 0.50% · 4.625%
HK$105,851
+HK$5,300/mo
Deposit HK$12.54M · loan HK$18.80M · min. income ≈ HK$201,102/mo (50% DSR)
Upfront cash ≈ HK$13.87M (deposit + AVD stamp duty HK$1,331,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,042
−HK$6,274/mo
▼ 0.25% · 3.875%
HK$103,154
−HK$3,162/mo
Today · 4.125%
HK$106,316
baseline
▲ 0.50% · 4.625%
HK$112,785
+HK$6,469/mo
Deposit HK$9.40M · loan HK$21.94M · min. income ≈ HK$212,632/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$1,331,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,296
−HK$6,013/mo
▼ 0.25% · 3.875%
HK$114,281
−HK$3,028/mo
Today · 4.125%
HK$117,309
baseline
▲ 0.50% · 4.625%
HK$123,492
+HK$6,183/mo
Deposit HK$9.40M · loan HK$21.94M · min. income ≈ HK$234,618/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$1,331,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,626
−HK$8,066/mo
▼ 0.25% · 3.875%
HK$132,627
−HK$4,065/mo
Today · 4.125%
HK$136,692
baseline
▲ 0.50% · 4.625%
HK$145,009
+HK$8,317/mo
Deposit HK$3.13M · loan HK$28.20M · min. income ≈ HK$273,384/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$1,331,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,095
−HK$7,731/mo
▼ 0.25% · 3.875%
HK$146,933
−HK$3,893/mo
Today · 4.125%
HK$150,826
baseline
▲ 0.50% · 4.625%
HK$158,776
+HK$7,950/mo
Deposit HK$3.13M · loan HK$28.20M · min. income ≈ HK$301,652/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$1,331,866 · Scale 2, in force from 26 Feb 2026)