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$69,087
−HK$4,332/mo
▼ 0.25% · 3.875%
HK$71,235
−HK$2,184/mo
Today · 4.125%
HK$73,419
baseline
▲ 0.50% · 4.625%
HK$77,886
+HK$4,467/mo
Deposit HK$15.15M · loan HK$15.15M · min. income ≈ HK$146,838/mo (50% DSR)
Upfront cash ≈ HK$16.44M (deposit + AVD stamp duty HK$1,287,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,858
−HK$4,152/mo
▼ 0.25% · 3.875%
HK$78,919
−HK$2,091/mo
Today · 4.125%
HK$81,010
baseline
▲ 0.50% · 4.625%
HK$85,281
+HK$4,271/mo
Deposit HK$15.15M · loan HK$15.15M · min. income ≈ HK$162,020/mo (50% DSR)
Upfront cash ≈ HK$16.44M (deposit + AVD stamp duty HK$1,287,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,904
−HK$5,199/mo
▼ 0.25% · 3.875%
HK$85,483
−HK$2,620/mo
Today · 4.125%
HK$88,103
baseline
▲ 0.50% · 4.625%
HK$93,463
+HK$5,360/mo
Deposit HK$12.12M · loan HK$18.18M · min. income ≈ HK$176,206/mo (50% DSR)
Upfront cash ≈ HK$13.41M (deposit + AVD stamp duty HK$1,287,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,230
−HK$4,983/mo
▼ 0.25% · 3.875%
HK$94,703
−HK$2,510/mo
Today · 4.125%
HK$97,213
baseline
▲ 0.50% · 4.625%
HK$102,337
+HK$5,124/mo
Deposit HK$12.12M · loan HK$18.18M · min. income ≈ HK$194,426/mo (50% DSR)
Upfront cash ≈ HK$13.41M (deposit + AVD stamp duty HK$1,287,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,721
−HK$6,065/mo
▼ 0.25% · 3.875%
HK$99,730
−HK$3,056/mo
Today · 4.125%
HK$102,786
baseline
▲ 0.50% · 4.625%
HK$109,041
+HK$6,255/mo
Deposit HK$9.09M · loan HK$21.21M · min. income ≈ HK$205,572/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$1,287,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,601
−HK$5,814/mo
▼ 0.25% · 3.875%
HK$110,487
−HK$2,928/mo
Today · 4.125%
HK$113,415
baseline
▲ 0.50% · 4.625%
HK$119,393
+HK$5,978/mo
Deposit HK$9.09M · loan HK$21.21M · min. income ≈ HK$226,830/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$1,287,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,356
−HK$7,798/mo
▼ 0.25% · 3.875%
HK$128,224
−HK$3,930/mo
Today · 4.125%
HK$132,154
baseline
▲ 0.50% · 4.625%
HK$140,195
+HK$8,041/mo
Deposit HK$3.03M · loan HK$27.27M · min. income ≈ HK$264,308/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$1,287,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,344
−HK$7,475/mo
▼ 0.25% · 3.875%
HK$142,055
−HK$3,764/mo
Today · 4.125%
HK$145,819
baseline
▲ 0.50% · 4.625%
HK$153,505
+HK$7,686/mo
Deposit HK$3.03M · loan HK$27.27M · min. income ≈ HK$291,638/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$1,287,652 · Scale 2, in force from 26 Feb 2026)