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$71,436
−HK$4,479/mo
▼ 0.25% · 3.875%
HK$73,658
−HK$2,257/mo
Today · 4.125%
HK$75,915
baseline
▲ 0.50% · 4.625%
HK$80,535
+HK$4,620/mo
Deposit HK$15.66M · loan HK$15.66M · min. income ≈ HK$151,830/mo (50% DSR)
Upfront cash ≈ HK$17.00M (deposit + AVD stamp duty HK$1,331,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,472
−HK$4,293/mo
▼ 0.25% · 3.875%
HK$81,603
−HK$2,162/mo
Today · 4.125%
HK$83,765
baseline
▲ 0.50% · 4.625%
HK$88,181
+HK$4,416/mo
Deposit HK$15.66M · loan HK$15.66M · min. income ≈ HK$167,530/mo (50% DSR)
Upfront cash ≈ HK$17.00M (deposit + AVD stamp duty HK$1,331,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,723
−HK$5,376/mo
▼ 0.25% · 3.875%
HK$88,389
−HK$2,710/mo
Today · 4.125%
HK$91,099
baseline
▲ 0.50% · 4.625%
HK$96,642
+HK$5,543/mo
Deposit HK$12.53M · loan HK$18.80M · min. income ≈ HK$182,198/mo (50% DSR)
Upfront cash ≈ HK$13.86M (deposit + AVD stamp duty HK$1,331,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,366
−HK$5,152/mo
▼ 0.25% · 3.875%
HK$97,924
−HK$2,594/mo
Today · 4.125%
HK$100,518
baseline
▲ 0.50% · 4.625%
HK$105,817
+HK$5,299/mo
Deposit HK$12.53M · loan HK$18.80M · min. income ≈ HK$201,036/mo (50% DSR)
Upfront cash ≈ HK$13.86M (deposit + AVD stamp duty HK$1,331,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,010
−HK$6,272/mo
▼ 0.25% · 3.875%
HK$103,121
−HK$3,161/mo
Today · 4.125%
HK$106,282
baseline
▲ 0.50% · 4.625%
HK$112,749
+HK$6,467/mo
Deposit HK$9.40M · loan HK$21.93M · min. income ≈ HK$212,564/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$1,331,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,260
−HK$6,011/mo
▼ 0.25% · 3.875%
HK$114,244
−HK$3,027/mo
Today · 4.125%
HK$117,271
baseline
▲ 0.50% · 4.625%
HK$123,453
+HK$6,182/mo
Deposit HK$9.40M · loan HK$21.93M · min. income ≈ HK$234,542/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$1,331,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,584
−HK$8,064/mo
▼ 0.25% · 3.875%
HK$132,584
−HK$4,064/mo
Today · 4.125%
HK$136,648
baseline
▲ 0.50% · 4.625%
HK$144,963
+HK$8,315/mo
Deposit HK$3.13M · loan HK$28.20M · min. income ≈ HK$273,296/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$1,331,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,049
−HK$7,728/mo
▼ 0.25% · 3.875%
HK$146,885
−HK$3,892/mo
Today · 4.125%
HK$150,777
baseline
▲ 0.50% · 4.625%
HK$158,725
+HK$7,948/mo
Deposit HK$3.13M · loan HK$28.20M · min. income ≈ HK$301,554/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$1,331,440 · Scale 2, in force from 26 Feb 2026)