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$71,540
−HK$4,486/mo
▼ 0.25% · 3.875%
HK$73,765
−HK$2,261/mo
Today · 4.125%
HK$76,026
baseline
▲ 0.50% · 4.625%
HK$80,652
+HK$4,626/mo
Deposit HK$15.69M · loan HK$15.69M · min. income ≈ HK$152,052/mo (50% DSR)
Upfront cash ≈ HK$17.02M (deposit + AVD stamp duty HK$1,333,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,587
−HK$4,300/mo
▼ 0.25% · 3.875%
HK$81,722
−HK$2,165/mo
Today · 4.125%
HK$83,887
baseline
▲ 0.50% · 4.625%
HK$88,309
+HK$4,422/mo
Deposit HK$15.69M · loan HK$15.69M · min. income ≈ HK$167,774/mo (50% DSR)
Upfront cash ≈ HK$17.02M (deposit + AVD stamp duty HK$1,333,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,848
−HK$5,383/mo
▼ 0.25% · 3.875%
HK$88,518
−HK$2,713/mo
Today · 4.125%
HK$91,231
baseline
▲ 0.50% · 4.625%
HK$96,782
+HK$5,551/mo
Deposit HK$12.55M · loan HK$18.82M · min. income ≈ HK$182,462/mo (50% DSR)
Upfront cash ≈ HK$13.88M (deposit + AVD stamp duty HK$1,333,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,505
−HK$5,160/mo
▼ 0.25% · 3.875%
HK$98,066
−HK$2,599/mo
Today · 4.125%
HK$100,665
baseline
▲ 0.50% · 4.625%
HK$105,971
+HK$5,306/mo
Deposit HK$12.55M · loan HK$18.82M · min. income ≈ HK$201,330/mo (50% DSR)
Upfront cash ≈ HK$13.88M (deposit + AVD stamp duty HK$1,333,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,156
−HK$6,280/mo
▼ 0.25% · 3.875%
HK$103,271
−HK$3,165/mo
Today · 4.125%
HK$106,436
baseline
▲ 0.50% · 4.625%
HK$112,913
+HK$6,477/mo
Deposit HK$9.41M · loan HK$21.96M · min. income ≈ HK$212,872/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$1,333,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,422
−HK$6,020/mo
▼ 0.25% · 3.875%
HK$114,410
−HK$3,032/mo
Today · 4.125%
HK$117,442
baseline
▲ 0.50% · 4.625%
HK$123,632
+HK$6,190/mo
Deposit HK$9.41M · loan HK$21.96M · min. income ≈ HK$234,884/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$1,333,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,772
−HK$8,075/mo
▼ 0.25% · 3.875%
HK$132,777
−HK$4,070/mo
Today · 4.125%
HK$136,847
baseline
▲ 0.50% · 4.625%
HK$145,173
+HK$8,326/mo
Deposit HK$3.14M · loan HK$28.24M · min. income ≈ HK$273,694/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$1,333,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,257
−HK$7,740/mo
▼ 0.25% · 3.875%
HK$147,099
−HK$3,898/mo
Today · 4.125%
HK$150,997
baseline
▲ 0.50% · 4.625%
HK$158,956
+HK$7,959/mo
Deposit HK$3.14M · loan HK$28.24M · min. income ≈ HK$301,994/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$1,333,376 · Scale 2, in force from 26 Feb 2026)