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$73,258
−HK$4,593/mo
▼ 0.25% · 3.875%
HK$75,536
−HK$2,315/mo
Today · 4.125%
HK$77,851
baseline
▲ 0.50% · 4.625%
HK$82,589
+HK$4,738/mo
Deposit HK$16.06M · loan HK$16.06M · min. income ≈ HK$155,702/mo (50% DSR)
Upfront cash ≈ HK$17.43M (deposit + AVD stamp duty HK$1,365,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,498
−HK$4,403/mo
▼ 0.25% · 3.875%
HK$83,684
−HK$2,217/mo
Today · 4.125%
HK$85,901
baseline
▲ 0.50% · 4.625%
HK$90,429
+HK$4,528/mo
Deposit HK$16.06M · loan HK$16.06M · min. income ≈ HK$171,802/mo (50% DSR)
Upfront cash ≈ HK$17.43M (deposit + AVD stamp duty HK$1,365,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,909
−HK$5,513/mo
▼ 0.25% · 3.875%
HK$90,644
−HK$2,778/mo
Today · 4.125%
HK$93,422
baseline
▲ 0.50% · 4.625%
HK$99,106
+HK$5,684/mo
Deposit HK$12.85M · loan HK$19.28M · min. income ≈ HK$186,844/mo (50% DSR)
Upfront cash ≈ HK$14.22M (deposit + AVD stamp duty HK$1,365,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,798
−HK$5,284/mo
▼ 0.25% · 3.875%
HK$100,421
−HK$2,661/mo
Today · 4.125%
HK$103,082
baseline
▲ 0.50% · 4.625%
HK$108,515
+HK$5,433/mo
Deposit HK$12.85M · loan HK$19.28M · min. income ≈ HK$206,164/mo (50% DSR)
Upfront cash ≈ HK$14.22M (deposit + AVD stamp duty HK$1,365,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,561
−HK$6,431/mo
▼ 0.25% · 3.875%
HK$105,751
−HK$3,241/mo
Today · 4.125%
HK$108,992
baseline
▲ 0.50% · 4.625%
HK$115,624
+HK$6,632/mo
Deposit HK$9.64M · loan HK$22.49M · min. income ≈ HK$217,984/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$1,365,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,098
−HK$6,164/mo
▼ 0.25% · 3.875%
HK$117,158
−HK$3,104/mo
Today · 4.125%
HK$120,262
baseline
▲ 0.50% · 4.625%
HK$126,601
+HK$6,339/mo
Deposit HK$9.64M · loan HK$22.49M · min. income ≈ HK$240,524/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$1,365,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,864
−HK$8,269/mo
▼ 0.25% · 3.875%
HK$135,965
−HK$4,168/mo
Today · 4.125%
HK$140,133
baseline
▲ 0.50% · 4.625%
HK$148,659
+HK$8,526/mo
Deposit HK$3.21M · loan HK$28.91M · min. income ≈ HK$280,266/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$1,365,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,697
−HK$7,925/mo
▼ 0.25% · 3.875%
HK$150,631
−HK$3,991/mo
Today · 4.125%
HK$154,622
baseline
▲ 0.50% · 4.625%
HK$162,773
+HK$8,151/mo
Deposit HK$3.21M · loan HK$28.91M · min. income ≈ HK$309,244/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$1,365,393 · Scale 2, in force from 26 Feb 2026)