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$70,894
−HK$4,446/mo
▼ 0.25% · 3.875%
HK$73,100
−HK$2,240/mo
Today · 4.125%
HK$75,340
baseline
▲ 0.50% · 4.625%
HK$79,924
+HK$4,584/mo
Deposit HK$15.55M · loan HK$15.55M · min. income ≈ HK$150,680/mo (50% DSR)
Upfront cash ≈ HK$16.87M (deposit + AVD stamp duty HK$1,321,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,869
−HK$4,261/mo
▼ 0.25% · 3.875%
HK$80,984
−HK$2,146/mo
Today · 4.125%
HK$83,130
baseline
▲ 0.50% · 4.625%
HK$87,512
+HK$4,382/mo
Deposit HK$15.55M · loan HK$15.55M · min. income ≈ HK$166,260/mo (50% DSR)
Upfront cash ≈ HK$16.87M (deposit + AVD stamp duty HK$1,321,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,073
−HK$5,335/mo
▼ 0.25% · 3.875%
HK$87,719
−HK$2,689/mo
Today · 4.125%
HK$90,408
baseline
▲ 0.50% · 4.625%
HK$95,909
+HK$5,501/mo
Deposit HK$12.44M · loan HK$18.65M · min. income ≈ HK$180,816/mo (50% DSR)
Upfront cash ≈ HK$13.76M (deposit + AVD stamp duty HK$1,321,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,643
−HK$5,113/mo
▼ 0.25% · 3.875%
HK$97,181
−HK$2,575/mo
Today · 4.125%
HK$99,756
baseline
▲ 0.50% · 4.625%
HK$105,015
+HK$5,259/mo
Deposit HK$12.44M · loan HK$18.65M · min. income ≈ HK$199,512/mo (50% DSR)
Upfront cash ≈ HK$13.76M (deposit + AVD stamp duty HK$1,321,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,252
−HK$6,224/mo
▼ 0.25% · 3.875%
HK$102,339
−HK$3,137/mo
Today · 4.125%
HK$105,476
baseline
▲ 0.50% · 4.625%
HK$111,894
+HK$6,418/mo
Deposit HK$9.33M · loan HK$21.76M · min. income ≈ HK$210,952/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$1,321,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,417
−HK$5,965/mo
▼ 0.25% · 3.875%
HK$113,378
−HK$3,004/mo
Today · 4.125%
HK$116,382
baseline
▲ 0.50% · 4.625%
HK$122,517
+HK$6,135/mo
Deposit HK$9.33M · loan HK$21.76M · min. income ≈ HK$232,764/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$1,321,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,610
−HK$8,002/mo
▼ 0.25% · 3.875%
HK$131,579
−HK$4,033/mo
Today · 4.125%
HK$135,612
baseline
▲ 0.50% · 4.625%
HK$143,864
+HK$8,252/mo
Deposit HK$3.11M · loan HK$27.98M · min. income ≈ HK$271,224/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$1,321,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,965
−HK$7,669/mo
▼ 0.25% · 3.875%
HK$145,772
−HK$3,862/mo
Today · 4.125%
HK$149,634
baseline
▲ 0.50% · 4.625%
HK$157,522
+HK$7,888/mo
Deposit HK$3.11M · loan HK$27.98M · min. income ≈ HK$299,268/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$1,321,347 · Scale 2, in force from 26 Feb 2026)