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$70,039
−HK$4,392/mo
▼ 0.25% · 3.875%
HK$72,217
−HK$2,214/mo
Today · 4.125%
HK$74,431
baseline
▲ 0.50% · 4.625%
HK$78,960
+HK$4,529/mo
Deposit HK$15.36M · loan HK$15.36M · min. income ≈ HK$148,862/mo (50% DSR)
Upfront cash ≈ HK$16.66M (deposit + AVD stamp duty HK$1,305,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,917
−HK$4,210/mo
▼ 0.25% · 3.875%
HK$80,007
−HK$2,120/mo
Today · 4.125%
HK$82,127
baseline
▲ 0.50% · 4.625%
HK$86,456
+HK$4,329/mo
Deposit HK$15.36M · loan HK$15.36M · min. income ≈ HK$164,254/mo (50% DSR)
Upfront cash ≈ HK$16.66M (deposit + AVD stamp duty HK$1,305,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,046
−HK$5,271/mo
▼ 0.25% · 3.875%
HK$86,661
−HK$2,656/mo
Today · 4.125%
HK$89,317
baseline
▲ 0.50% · 4.625%
HK$94,751
+HK$5,434/mo
Deposit HK$12.29M · loan HK$18.43M · min. income ≈ HK$178,634/mo (50% DSR)
Upfront cash ≈ HK$13.59M (deposit + AVD stamp duty HK$1,305,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,501
−HK$5,051/mo
▼ 0.25% · 3.875%
HK$96,008
−HK$2,544/mo
Today · 4.125%
HK$98,552
baseline
▲ 0.50% · 4.625%
HK$103,747
+HK$5,195/mo
Deposit HK$12.29M · loan HK$18.43M · min. income ≈ HK$197,104/mo (50% DSR)
Upfront cash ≈ HK$13.59M (deposit + AVD stamp duty HK$1,305,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,054
−HK$6,149/mo
▼ 0.25% · 3.875%
HK$101,104
−HK$3,099/mo
Today · 4.125%
HK$104,203
baseline
▲ 0.50% · 4.625%
HK$110,543
+HK$6,340/mo
Deposit HK$9.21M · loan HK$21.50M · min. income ≈ HK$208,406/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$1,305,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,084
−HK$5,894/mo
▼ 0.25% · 3.875%
HK$112,010
−HK$2,968/mo
Today · 4.125%
HK$114,978
baseline
▲ 0.50% · 4.625%
HK$121,038
+HK$6,060/mo
Deposit HK$9.21M · loan HK$21.50M · min. income ≈ HK$229,956/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$1,305,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,070
−HK$7,905/mo
▼ 0.25% · 3.875%
HK$129,991
−HK$3,984/mo
Today · 4.125%
HK$133,975
baseline
▲ 0.50% · 4.625%
HK$142,127
+HK$8,152/mo
Deposit HK$3.07M · loan HK$27.64M · min. income ≈ HK$267,950/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,305,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,251
−HK$7,577/mo
▼ 0.25% · 3.875%
HK$144,013
−HK$3,815/mo
Today · 4.125%
HK$147,828
baseline
▲ 0.50% · 4.625%
HK$155,621
+HK$7,793/mo
Deposit HK$3.07M · loan HK$27.64M · min. income ≈ HK$295,656/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,305,398 · Scale 2, in force from 26 Feb 2026)