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$70,248
−HK$4,406/mo
▼ 0.25% · 3.875%
HK$72,433
−HK$2,221/mo
Today · 4.125%
HK$74,654
baseline
▲ 0.50% · 4.625%
HK$79,196
+HK$4,542/mo
Deposit HK$15.40M · loan HK$15.40M · min. income ≈ HK$149,308/mo (50% DSR)
Upfront cash ≈ HK$16.71M (deposit + AVD stamp duty HK$1,309,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,151
−HK$4,222/mo
▼ 0.25% · 3.875%
HK$80,247
−HK$2,126/mo
Today · 4.125%
HK$82,373
baseline
▲ 0.50% · 4.625%
HK$86,715
+HK$4,342/mo
Deposit HK$15.40M · loan HK$15.40M · min. income ≈ HK$164,746/mo (50% DSR)
Upfront cash ≈ HK$16.71M (deposit + AVD stamp duty HK$1,309,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,298
−HK$5,286/mo
▼ 0.25% · 3.875%
HK$86,920
−HK$2,664/mo
Today · 4.125%
HK$89,584
baseline
▲ 0.50% · 4.625%
HK$95,035
+HK$5,451/mo
Deposit HK$12.32M · loan HK$18.48M · min. income ≈ HK$179,168/mo (50% DSR)
Upfront cash ≈ HK$13.63M (deposit + AVD stamp duty HK$1,309,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,781
−HK$5,066/mo
▼ 0.25% · 3.875%
HK$96,296
−HK$2,551/mo
Today · 4.125%
HK$98,847
baseline
▲ 0.50% · 4.625%
HK$104,058
+HK$5,211/mo
Deposit HK$12.32M · loan HK$18.48M · min. income ≈ HK$197,694/mo (50% DSR)
Upfront cash ≈ HK$13.63M (deposit + AVD stamp duty HK$1,309,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,348
−HK$6,167/mo
▼ 0.25% · 3.875%
HK$101,407
−HK$3,108/mo
Today · 4.125%
HK$104,515
baseline
▲ 0.50% · 4.625%
HK$110,874
+HK$6,359/mo
Deposit HK$9.24M · loan HK$21.57M · min. income ≈ HK$209,030/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$1,309,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,411
−HK$5,911/mo
▼ 0.25% · 3.875%
HK$112,345
−HK$2,977/mo
Today · 4.125%
HK$115,322
baseline
▲ 0.50% · 4.625%
HK$121,401
+HK$6,079/mo
Deposit HK$9.24M · loan HK$21.57M · min. income ≈ HK$230,644/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$1,309,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,447
−HK$7,929/mo
▼ 0.25% · 3.875%
HK$130,380
−HK$3,996/mo
Today · 4.125%
HK$134,376
baseline
▲ 0.50% · 4.625%
HK$142,553
+HK$8,177/mo
Deposit HK$3.08M · loan HK$27.73M · min. income ≈ HK$268,752/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,309,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,671
−HK$7,600/mo
▼ 0.25% · 3.875%
HK$144,444
−HK$3,827/mo
Today · 4.125%
HK$148,271
baseline
▲ 0.50% · 4.625%
HK$156,087
+HK$7,816/mo
Deposit HK$3.08M · loan HK$27.73M · min. income ≈ HK$296,542/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,309,307 · Scale 2, in force from 26 Feb 2026)