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$72,687
−HK$4,558/mo
▼ 0.25% · 3.875%
HK$74,948
−HK$2,297/mo
Today · 4.125%
HK$77,245
baseline
▲ 0.50% · 4.625%
HK$81,945
+HK$4,700/mo
Deposit HK$15.94M · loan HK$15.94M · min. income ≈ HK$154,490/mo (50% DSR)
Upfront cash ≈ HK$17.29M (deposit + AVD stamp duty HK$1,354,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,864
−HK$4,368/mo
▼ 0.25% · 3.875%
HK$83,032
−HK$2,200/mo
Today · 4.125%
HK$85,232
baseline
▲ 0.50% · 4.625%
HK$89,725
+HK$4,493/mo
Deposit HK$15.94M · loan HK$15.94M · min. income ≈ HK$170,464/mo (50% DSR)
Upfront cash ≈ HK$17.29M (deposit + AVD stamp duty HK$1,354,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,224
−HK$5,470/mo
▼ 0.25% · 3.875%
HK$89,938
−HK$2,756/mo
Today · 4.125%
HK$92,694
baseline
▲ 0.50% · 4.625%
HK$98,334
+HK$5,640/mo
Deposit HK$12.75M · loan HK$19.13M · min. income ≈ HK$185,388/mo (50% DSR)
Upfront cash ≈ HK$14.11M (deposit + AVD stamp duty HK$1,354,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,036
−HK$5,243/mo
▼ 0.25% · 3.875%
HK$99,639
−HK$2,640/mo
Today · 4.125%
HK$102,279
baseline
▲ 0.50% · 4.625%
HK$107,670
+HK$5,391/mo
Deposit HK$12.75M · loan HK$19.13M · min. income ≈ HK$204,558/mo (50% DSR)
Upfront cash ≈ HK$14.11M (deposit + AVD stamp duty HK$1,354,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,762
−HK$6,381/mo
▼ 0.25% · 3.875%
HK$104,927
−HK$3,216/mo
Today · 4.125%
HK$108,143
baseline
▲ 0.50% · 4.625%
HK$114,723
+HK$6,580/mo
Deposit HK$9.56M · loan HK$22.31M · min. income ≈ HK$216,286/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$1,354,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,209
−HK$6,116/mo
▼ 0.25% · 3.875%
HK$116,245
−HK$3,080/mo
Today · 4.125%
HK$119,325
baseline
▲ 0.50% · 4.625%
HK$125,615
+HK$6,290/mo
Deposit HK$9.56M · loan HK$22.31M · min. income ≈ HK$238,650/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$1,354,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,837
−HK$8,204/mo
▼ 0.25% · 3.875%
HK$134,906
−HK$4,135/mo
Today · 4.125%
HK$139,041
baseline
▲ 0.50% · 4.625%
HK$147,501
+HK$8,460/mo
Deposit HK$3.19M · loan HK$28.69M · min. income ≈ HK$278,082/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$1,354,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,554
−HK$7,864/mo
▼ 0.25% · 3.875%
HK$149,458
−HK$3,960/mo
Today · 4.125%
HK$153,418
baseline
▲ 0.50% · 4.625%
HK$161,505
+HK$8,087/mo
Deposit HK$3.19M · loan HK$28.69M · min. income ≈ HK$306,836/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$1,354,758 · Scale 2, in force from 26 Feb 2026)