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$70,776
−HK$4,438/mo
▼ 0.25% · 3.875%
HK$72,977
−HK$2,237/mo
Today · 4.125%
HK$75,214
baseline
▲ 0.50% · 4.625%
HK$79,791
+HK$4,577/mo
Deposit HK$15.52M · loan HK$15.52M · min. income ≈ HK$150,428/mo (50% DSR)
Upfront cash ≈ HK$16.84M (deposit + AVD stamp duty HK$1,319,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,737
−HK$4,254/mo
▼ 0.25% · 3.875%
HK$80,849
−HK$2,142/mo
Today · 4.125%
HK$82,991
baseline
▲ 0.50% · 4.625%
HK$87,366
+HK$4,375/mo
Deposit HK$15.52M · loan HK$15.52M · min. income ≈ HK$165,982/mo (50% DSR)
Upfront cash ≈ HK$16.84M (deposit + AVD stamp duty HK$1,319,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,931
−HK$5,326/mo
▼ 0.25% · 3.875%
HK$87,573
−HK$2,684/mo
Today · 4.125%
HK$90,257
baseline
▲ 0.50% · 4.625%
HK$95,749
+HK$5,492/mo
Deposit HK$12.42M · loan HK$18.62M · min. income ≈ HK$180,514/mo (50% DSR)
Upfront cash ≈ HK$13.73M (deposit + AVD stamp duty HK$1,319,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,485
−HK$5,104/mo
▼ 0.25% · 3.875%
HK$97,019
−HK$2,570/mo
Today · 4.125%
HK$99,589
baseline
▲ 0.50% · 4.625%
HK$104,839
+HK$5,250/mo
Deposit HK$12.42M · loan HK$18.62M · min. income ≈ HK$199,178/mo (50% DSR)
Upfront cash ≈ HK$13.73M (deposit + AVD stamp duty HK$1,319,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,086
−HK$6,214/mo
▼ 0.25% · 3.875%
HK$102,168
−HK$3,132/mo
Today · 4.125%
HK$105,300
baseline
▲ 0.50% · 4.625%
HK$111,707
+HK$6,407/mo
Deposit HK$9.31M · loan HK$21.73M · min. income ≈ HK$210,600/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,319,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,232
−HK$5,956/mo
▼ 0.25% · 3.875%
HK$113,189
−HK$2,999/mo
Today · 4.125%
HK$116,188
baseline
▲ 0.50% · 4.625%
HK$122,312
+HK$6,124/mo
Deposit HK$9.31M · loan HK$21.73M · min. income ≈ HK$232,376/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,319,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,396
−HK$7,989/mo
▼ 0.25% · 3.875%
HK$131,359
−HK$4,026/mo
Today · 4.125%
HK$135,385
baseline
▲ 0.50% · 4.625%
HK$143,623
+HK$8,238/mo
Deposit HK$3.10M · loan HK$27.93M · min. income ≈ HK$270,770/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$1,319,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,727
−HK$7,657/mo
▼ 0.25% · 3.875%
HK$145,528
−HK$3,856/mo
Today · 4.125%
HK$149,384
baseline
▲ 0.50% · 4.625%
HK$157,258
+HK$7,874/mo
Deposit HK$3.10M · loan HK$27.93M · min. income ≈ HK$298,768/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$1,319,136 · Scale 2, in force from 26 Feb 2026)