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$68,630
−HK$4,303/mo
▼ 0.25% · 3.875%
HK$70,764
−HK$2,169/mo
Today · 4.125%
HK$72,933
baseline
▲ 0.50% · 4.625%
HK$77,371
+HK$4,438/mo
Deposit HK$15.05M · loan HK$15.05M · min. income ≈ HK$145,866/mo (50% DSR)
Upfront cash ≈ HK$16.33M (deposit + AVD stamp duty HK$1,279,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,350
−HK$4,125/mo
▼ 0.25% · 3.875%
HK$78,397
−HK$2,078/mo
Today · 4.125%
HK$80,475
baseline
▲ 0.50% · 4.625%
HK$84,717
+HK$4,242/mo
Deposit HK$15.05M · loan HK$15.05M · min. income ≈ HK$160,950/mo (50% DSR)
Upfront cash ≈ HK$16.33M (deposit + AVD stamp duty HK$1,279,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,356
−HK$5,164/mo
▼ 0.25% · 3.875%
HK$84,917
−HK$2,603/mo
Today · 4.125%
HK$87,520
baseline
▲ 0.50% · 4.625%
HK$92,845
+HK$5,325/mo
Deposit HK$12.04M · loan HK$18.06M · min. income ≈ HK$175,040/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,279,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,620
−HK$4,950/mo
▼ 0.25% · 3.875%
HK$94,077
−HK$2,493/mo
Today · 4.125%
HK$96,570
baseline
▲ 0.50% · 4.625%
HK$101,660
+HK$5,090/mo
Deposit HK$12.04M · loan HK$18.06M · min. income ≈ HK$193,140/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,279,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,082
−HK$6,025/mo
▼ 0.25% · 3.875%
HK$99,070
−HK$3,037/mo
Today · 4.125%
HK$102,107
baseline
▲ 0.50% · 4.625%
HK$108,320
+HK$6,213/mo
Deposit HK$9.03M · loan HK$21.07M · min. income ≈ HK$204,214/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$1,279,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,890
−HK$5,775/mo
▼ 0.25% · 3.875%
HK$109,756
−HK$2,909/mo
Today · 4.125%
HK$112,665
baseline
▲ 0.50% · 4.625%
HK$118,603
+HK$5,938/mo
Deposit HK$9.03M · loan HK$21.07M · min. income ≈ HK$225,330/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$1,279,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,533
−HK$7,747/mo
▼ 0.25% · 3.875%
HK$127,376
−HK$3,904/mo
Today · 4.125%
HK$131,280
baseline
▲ 0.50% · 4.625%
HK$139,268
+HK$7,988/mo
Deposit HK$3.01M · loan HK$27.09M · min. income ≈ HK$262,560/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$1,279,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,430
−HK$7,425/mo
▼ 0.25% · 3.875%
HK$141,115
−HK$3,740/mo
Today · 4.125%
HK$144,855
baseline
▲ 0.50% · 4.625%
HK$152,490
+HK$7,635/mo
Deposit HK$3.01M · loan HK$27.09M · min. income ≈ HK$289,710/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$1,279,137 · Scale 2, in force from 26 Feb 2026)