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$71,534
−HK$4,485/mo
▼ 0.25% · 3.875%
HK$73,759
−HK$2,260/mo
Today · 4.125%
HK$76,019
baseline
▲ 0.50% · 4.625%
HK$80,645
+HK$4,626/mo
Deposit HK$15.69M · loan HK$15.69M · min. income ≈ HK$152,038/mo (50% DSR)
Upfront cash ≈ HK$17.02M (deposit + AVD stamp duty HK$1,333,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,580
−HK$4,300/mo
▼ 0.25% · 3.875%
HK$81,715
−HK$2,165/mo
Today · 4.125%
HK$83,880
baseline
▲ 0.50% · 4.625%
HK$88,301
+HK$4,421/mo
Deposit HK$15.69M · loan HK$15.69M · min. income ≈ HK$167,760/mo (50% DSR)
Upfront cash ≈ HK$17.02M (deposit + AVD stamp duty HK$1,333,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,840
−HK$5,383/mo
▼ 0.25% · 3.875%
HK$88,510
−HK$2,713/mo
Today · 4.125%
HK$91,223
baseline
▲ 0.50% · 4.625%
HK$96,774
+HK$5,551/mo
Deposit HK$12.55M · loan HK$18.82M · min. income ≈ HK$182,446/mo (50% DSR)
Upfront cash ≈ HK$13.88M (deposit + AVD stamp duty HK$1,333,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,497
−HK$5,159/mo
▼ 0.25% · 3.875%
HK$98,058
−HK$2,598/mo
Today · 4.125%
HK$100,656
baseline
▲ 0.50% · 4.625%
HK$105,962
+HK$5,306/mo
Deposit HK$12.55M · loan HK$18.82M · min. income ≈ HK$201,312/mo (50% DSR)
Upfront cash ≈ HK$13.88M (deposit + AVD stamp duty HK$1,333,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,147
−HK$6,280/mo
▼ 0.25% · 3.875%
HK$103,262
−HK$3,165/mo
Today · 4.125%
HK$106,427
baseline
▲ 0.50% · 4.625%
HK$112,903
+HK$6,476/mo
Deposit HK$9.41M · loan HK$21.96M · min. income ≈ HK$212,854/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$1,333,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,413
−HK$6,019/mo
▼ 0.25% · 3.875%
HK$114,401
−HK$3,031/mo
Today · 4.125%
HK$117,432
baseline
▲ 0.50% · 4.625%
HK$123,622
+HK$6,190/mo
Deposit HK$9.41M · loan HK$21.96M · min. income ≈ HK$234,864/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$1,333,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,761
−HK$8,074/mo
▼ 0.25% · 3.875%
HK$132,766
−HK$4,069/mo
Today · 4.125%
HK$136,835
baseline
▲ 0.50% · 4.625%
HK$145,161
+HK$8,326/mo
Deposit HK$3.14M · loan HK$28.23M · min. income ≈ HK$273,670/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$1,333,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,245
−HK$7,739/mo
▼ 0.25% · 3.875%
HK$147,087
−HK$3,897/mo
Today · 4.125%
HK$150,984
baseline
▲ 0.50% · 4.625%
HK$158,942
+HK$7,958/mo
Deposit HK$3.14M · loan HK$28.23M · min. income ≈ HK$301,968/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$1,333,262 · Scale 2, in force from 26 Feb 2026)