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$70,571
−HK$4,426/mo
▼ 0.25% · 3.875%
HK$72,767
−HK$2,230/mo
Today · 4.125%
HK$74,997
baseline
▲ 0.50% · 4.625%
HK$79,560
+HK$4,563/mo
Deposit HK$15.47M · loan HK$15.47M · min. income ≈ HK$149,994/mo (50% DSR)
Upfront cash ≈ HK$16.79M (deposit + AVD stamp duty HK$1,315,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,510
−HK$4,242/mo
▼ 0.25% · 3.875%
HK$80,616
−HK$2,136/mo
Today · 4.125%
HK$82,752
baseline
▲ 0.50% · 4.625%
HK$87,114
+HK$4,362/mo
Deposit HK$15.47M · loan HK$15.47M · min. income ≈ HK$165,504/mo (50% DSR)
Upfront cash ≈ HK$16.79M (deposit + AVD stamp duty HK$1,315,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,686
−HK$5,310/mo
▼ 0.25% · 3.875%
HK$87,320
−HK$2,676/mo
Today · 4.125%
HK$89,996
baseline
▲ 0.50% · 4.625%
HK$95,472
+HK$5,476/mo
Deposit HK$12.38M · loan HK$18.57M · min. income ≈ HK$179,992/mo (50% DSR)
Upfront cash ≈ HK$13.69M (deposit + AVD stamp duty HK$1,315,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,212
−HK$5,090/mo
▼ 0.25% · 3.875%
HK$96,739
−HK$2,563/mo
Today · 4.125%
HK$99,302
baseline
▲ 0.50% · 4.625%
HK$104,536
+HK$5,234/mo
Deposit HK$12.38M · loan HK$18.57M · min. income ≈ HK$198,604/mo (50% DSR)
Upfront cash ≈ HK$13.69M (deposit + AVD stamp duty HK$1,315,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,800
−HK$6,196/mo
▼ 0.25% · 3.875%
HK$101,873
−HK$3,123/mo
Today · 4.125%
HK$104,996
baseline
▲ 0.50% · 4.625%
HK$111,384
+HK$6,388/mo
Deposit HK$9.28M · loan HK$21.66M · min. income ≈ HK$209,992/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$1,315,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,914
−HK$5,938/mo
▼ 0.25% · 3.875%
HK$112,862
−HK$2,990/mo
Today · 4.125%
HK$115,852
baseline
▲ 0.50% · 4.625%
HK$121,959
+HK$6,107/mo
Deposit HK$9.28M · loan HK$21.66M · min. income ≈ HK$231,704/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$1,315,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,029
−HK$7,965/mo
▼ 0.25% · 3.875%
HK$130,980
−HK$4,014/mo
Today · 4.125%
HK$134,994
baseline
▲ 0.50% · 4.625%
HK$143,209
+HK$8,215/mo
Deposit HK$3.09M · loan HK$27.85M · min. income ≈ HK$269,988/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,315,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,318
−HK$7,635/mo
▼ 0.25% · 3.875%
HK$145,108
−HK$3,845/mo
Today · 4.125%
HK$148,953
baseline
▲ 0.50% · 4.625%
HK$156,805
+HK$7,852/mo
Deposit HK$3.09M · loan HK$27.85M · min. income ≈ HK$297,906/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,315,330 · Scale 2, in force from 26 Feb 2026)