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$71,115
−HK$4,460/mo
▼ 0.25% · 3.875%
HK$73,327
−HK$2,248/mo
Today · 4.125%
HK$75,575
baseline
▲ 0.50% · 4.625%
HK$80,173
+HK$4,598/mo
Deposit HK$15.59M · loan HK$15.59M · min. income ≈ HK$151,150/mo (50% DSR)
Upfront cash ≈ HK$16.92M (deposit + AVD stamp duty HK$1,325,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,115
−HK$4,274/mo
▼ 0.25% · 3.875%
HK$81,237
−HK$2,152/mo
Today · 4.125%
HK$83,389
baseline
▲ 0.50% · 4.625%
HK$87,785
+HK$4,396/mo
Deposit HK$15.59M · loan HK$15.59M · min. income ≈ HK$166,778/mo (50% DSR)
Upfront cash ≈ HK$16.92M (deposit + AVD stamp duty HK$1,325,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,338
−HK$5,351/mo
▼ 0.25% · 3.875%
HK$87,992
−HK$2,697/mo
Today · 4.125%
HK$90,689
baseline
▲ 0.50% · 4.625%
HK$96,208
+HK$5,519/mo
Deposit HK$12.47M · loan HK$18.71M · min. income ≈ HK$181,378/mo (50% DSR)
Upfront cash ≈ HK$13.80M (deposit + AVD stamp duty HK$1,325,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,938
−HK$5,129/mo
▼ 0.25% · 3.875%
HK$97,484
−HK$2,583/mo
Today · 4.125%
HK$100,067
baseline
▲ 0.50% · 4.625%
HK$105,341
+HK$5,274/mo
Deposit HK$12.47M · loan HK$18.71M · min. income ≈ HK$200,134/mo (50% DSR)
Upfront cash ≈ HK$13.80M (deposit + AVD stamp duty HK$1,325,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,561
−HK$6,243/mo
▼ 0.25% · 3.875%
HK$102,658
−HK$3,146/mo
Today · 4.125%
HK$105,804
baseline
▲ 0.50% · 4.625%
HK$112,242
+HK$6,438/mo
Deposit HK$9.36M · loan HK$21.83M · min. income ≈ HK$211,608/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$1,325,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,761
−HK$5,984/mo
▼ 0.25% · 3.875%
HK$113,731
−HK$3,014/mo
Today · 4.125%
HK$116,745
baseline
▲ 0.50% · 4.625%
HK$122,898
+HK$6,153/mo
Deposit HK$9.36M · loan HK$21.83M · min. income ≈ HK$233,490/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$1,325,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,007
−HK$8,027/mo
▼ 0.25% · 3.875%
HK$131,989
−HK$4,045/mo
Today · 4.125%
HK$136,034
baseline
▲ 0.50% · 4.625%
HK$144,311
+HK$8,277/mo
Deposit HK$3.12M · loan HK$28.07M · min. income ≈ HK$272,068/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$1,325,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,406
−HK$7,694/mo
▼ 0.25% · 3.875%
HK$146,226
−HK$3,874/mo
Today · 4.125%
HK$150,100
baseline
▲ 0.50% · 4.625%
HK$158,012
+HK$7,912/mo
Deposit HK$3.12M · loan HK$28.07M · min. income ≈ HK$300,200/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$1,325,460 · Scale 2, in force from 26 Feb 2026)