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$68,488
−HK$4,294/mo
▼ 0.25% · 3.875%
HK$70,618
−HK$2,164/mo
Today · 4.125%
HK$72,782
baseline
▲ 0.50% · 4.625%
HK$77,211
+HK$4,429/mo
Deposit HK$15.02M · loan HK$15.02M · min. income ≈ HK$145,564/mo (50% DSR)
Upfront cash ≈ HK$16.29M (deposit + AVD stamp duty HK$1,276,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,192
−HK$4,116/mo
▼ 0.25% · 3.875%
HK$78,235
−HK$2,073/mo
Today · 4.125%
HK$80,308
baseline
▲ 0.50% · 4.625%
HK$84,541
+HK$4,233/mo
Deposit HK$15.02M · loan HK$15.02M · min. income ≈ HK$160,616/mo (50% DSR)
Upfront cash ≈ HK$16.29M (deposit + AVD stamp duty HK$1,276,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,185
−HK$5,154/mo
▼ 0.25% · 3.875%
HK$84,742
−HK$2,597/mo
Today · 4.125%
HK$87,339
baseline
▲ 0.50% · 4.625%
HK$92,653
+HK$5,314/mo
Deposit HK$12.01M · loan HK$18.02M · min. income ≈ HK$174,678/mo (50% DSR)
Upfront cash ≈ HK$13.29M (deposit + AVD stamp duty HK$1,276,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,430
−HK$4,940/mo
▼ 0.25% · 3.875%
HK$93,882
−HK$2,488/mo
Today · 4.125%
HK$96,370
baseline
▲ 0.50% · 4.625%
HK$101,450
+HK$5,080/mo
Deposit HK$12.01M · loan HK$18.02M · min. income ≈ HK$192,740/mo (50% DSR)
Upfront cash ≈ HK$13.29M (deposit + AVD stamp duty HK$1,276,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,883
−HK$6,012/mo
▼ 0.25% · 3.875%
HK$98,865
−HK$3,030/mo
Today · 4.125%
HK$101,895
baseline
▲ 0.50% · 4.625%
HK$108,095
+HK$6,200/mo
Deposit HK$9.01M · loan HK$21.02M · min. income ≈ HK$203,790/mo (50% DSR)
Upfront cash ≈ HK$10.29M (deposit + AVD stamp duty HK$1,276,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,668
−HK$5,763/mo
▼ 0.25% · 3.875%
HK$109,529
−HK$2,902/mo
Today · 4.125%
HK$112,431
baseline
▲ 0.50% · 4.625%
HK$118,358
+HK$5,927/mo
Deposit HK$9.01M · loan HK$21.02M · min. income ≈ HK$224,862/mo (50% DSR)
Upfront cash ≈ HK$10.29M (deposit + AVD stamp duty HK$1,276,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,278
−HK$7,730/mo
▼ 0.25% · 3.875%
HK$127,112
−HK$3,896/mo
Today · 4.125%
HK$131,008
baseline
▲ 0.50% · 4.625%
HK$138,980
+HK$7,972/mo
Deposit HK$3.00M · loan HK$27.03M · min. income ≈ HK$262,016/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$1,276,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,145
−HK$7,410/mo
▼ 0.25% · 3.875%
HK$140,823
−HK$3,732/mo
Today · 4.125%
HK$144,555
baseline
▲ 0.50% · 4.625%
HK$152,174
+HK$7,619/mo
Deposit HK$3.00M · loan HK$27.03M · min. income ≈ HK$289,110/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$1,276,490 · Scale 2, in force from 26 Feb 2026)