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$71,729
−HK$4,498/mo
▼ 0.25% · 3.875%
HK$73,961
−HK$2,266/mo
Today · 4.125%
HK$76,227
baseline
▲ 0.50% · 4.625%
HK$80,866
+HK$4,639/mo
Deposit HK$15.73M · loan HK$15.73M · min. income ≈ HK$152,454/mo (50% DSR)
Upfront cash ≈ HK$17.07M (deposit + AVD stamp duty HK$1,336,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,798
−HK$4,311/mo
▼ 0.25% · 3.875%
HK$81,938
−HK$2,171/mo
Today · 4.125%
HK$84,109
baseline
▲ 0.50% · 4.625%
HK$88,543
+HK$4,434/mo
Deposit HK$15.73M · loan HK$15.73M · min. income ≈ HK$168,218/mo (50% DSR)
Upfront cash ≈ HK$17.07M (deposit + AVD stamp duty HK$1,336,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,075
−HK$5,398/mo
▼ 0.25% · 3.875%
HK$88,753
−HK$2,720/mo
Today · 4.125%
HK$91,473
baseline
▲ 0.50% · 4.625%
HK$97,039
+HK$5,566/mo
Deposit HK$12.58M · loan HK$18.87M · min. income ≈ HK$182,946/mo (50% DSR)
Upfront cash ≈ HK$13.92M (deposit + AVD stamp duty HK$1,336,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,758
−HK$5,173/mo
▼ 0.25% · 3.875%
HK$98,326
−HK$2,605/mo
Today · 4.125%
HK$100,931
baseline
▲ 0.50% · 4.625%
HK$106,251
+HK$5,320/mo
Deposit HK$12.58M · loan HK$18.87M · min. income ≈ HK$201,862/mo (50% DSR)
Upfront cash ≈ HK$13.92M (deposit + AVD stamp duty HK$1,336,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,421
−HK$6,297/mo
▼ 0.25% · 3.875%
HK$103,545
−HK$3,173/mo
Today · 4.125%
HK$106,718
baseline
▲ 0.50% · 4.625%
HK$113,212
+HK$6,494/mo
Deposit HK$9.44M · loan HK$22.02M · min. income ≈ HK$213,436/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$1,336,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,717
−HK$6,036/mo
▼ 0.25% · 3.875%
HK$114,714
−HK$3,039/mo
Today · 4.125%
HK$117,753
baseline
▲ 0.50% · 4.625%
HK$123,960
+HK$6,207/mo
Deposit HK$9.44M · loan HK$22.02M · min. income ≈ HK$235,506/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$1,336,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,113
−HK$8,096/mo
▼ 0.25% · 3.875%
HK$133,129
−HK$4,080/mo
Today · 4.125%
HK$137,209
baseline
▲ 0.50% · 4.625%
HK$145,558
+HK$8,349/mo
Deposit HK$3.15M · loan HK$28.31M · min. income ≈ HK$274,418/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$1,336,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,637
−HK$7,760/mo
▼ 0.25% · 3.875%
HK$147,489
−HK$3,908/mo
Today · 4.125%
HK$151,397
baseline
▲ 0.50% · 4.625%
HK$159,377
+HK$7,980/mo
Deposit HK$3.15M · loan HK$28.31M · min. income ≈ HK$302,794/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$1,336,910 · Scale 2, in force from 26 Feb 2026)