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$68,770
−HK$4,312/mo
▼ 0.25% · 3.875%
HK$70,909
−HK$2,173/mo
Today · 4.125%
HK$73,082
baseline
▲ 0.50% · 4.625%
HK$77,529
+HK$4,447/mo
Deposit HK$15.08M · loan HK$15.08M · min. income ≈ HK$146,164/mo (50% DSR)
Upfront cash ≈ HK$16.36M (deposit + AVD stamp duty HK$1,281,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,506
−HK$4,133/mo
▼ 0.25% · 3.875%
HK$78,558
−HK$2,081/mo
Today · 4.125%
HK$80,639
baseline
▲ 0.50% · 4.625%
HK$84,890
+HK$4,251/mo
Deposit HK$15.08M · loan HK$15.08M · min. income ≈ HK$161,278/mo (50% DSR)
Upfront cash ≈ HK$16.36M (deposit + AVD stamp duty HK$1,281,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,524
−HK$5,175/mo
▼ 0.25% · 3.875%
HK$85,091
−HK$2,608/mo
Today · 4.125%
HK$87,699
baseline
▲ 0.50% · 4.625%
HK$93,035
+HK$5,336/mo
Deposit HK$12.06M · loan HK$18.10M · min. income ≈ HK$175,398/mo (50% DSR)
Upfront cash ≈ HK$13.35M (deposit + AVD stamp duty HK$1,281,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,807
−HK$4,960/mo
▼ 0.25% · 3.875%
HK$94,269
−HK$2,498/mo
Today · 4.125%
HK$96,767
baseline
▲ 0.50% · 4.625%
HK$101,868
+HK$5,101/mo
Deposit HK$12.06M · loan HK$18.10M · min. income ≈ HK$193,534/mo (50% DSR)
Upfront cash ≈ HK$13.35M (deposit + AVD stamp duty HK$1,281,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,278
−HK$6,037/mo
▼ 0.25% · 3.875%
HK$99,273
−HK$3,042/mo
Today · 4.125%
HK$102,315
baseline
▲ 0.50% · 4.625%
HK$108,541
+HK$6,226/mo
Deposit HK$9.05M · loan HK$21.11M · min. income ≈ HK$204,630/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$1,281,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,108
−HK$5,787/mo
▼ 0.25% · 3.875%
HK$109,981
−HK$2,914/mo
Today · 4.125%
HK$112,895
baseline
▲ 0.50% · 4.625%
HK$118,846
+HK$5,951/mo
Deposit HK$9.05M · loan HK$21.11M · min. income ≈ HK$225,790/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$1,281,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,786
−HK$7,762/mo
▼ 0.25% · 3.875%
HK$127,636
−HK$3,912/mo
Today · 4.125%
HK$131,548
baseline
▲ 0.50% · 4.625%
HK$139,553
+HK$8,005/mo
Deposit HK$3.02M · loan HK$27.14M · min. income ≈ HK$263,096/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$1,281,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,710
−HK$7,440/mo
▼ 0.25% · 3.875%
HK$141,404
−HK$3,746/mo
Today · 4.125%
HK$145,150
baseline
▲ 0.50% · 4.625%
HK$152,802
+HK$7,652/mo
Deposit HK$3.02M · loan HK$27.14M · min. income ≈ HK$290,300/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$1,281,750 · Scale 2, in force from 26 Feb 2026)