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$71,386
−HK$4,476/mo
▼ 0.25% · 3.875%
HK$73,606
−HK$2,256/mo
Today · 4.125%
HK$75,862
baseline
▲ 0.50% · 4.625%
HK$80,478
+HK$4,616/mo
Deposit HK$15.65M · loan HK$15.65M · min. income ≈ HK$151,724/mo (50% DSR)
Upfront cash ≈ HK$16.98M (deposit + AVD stamp duty HK$1,330,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,416
−HK$4,291/mo
▼ 0.25% · 3.875%
HK$81,546
−HK$2,161/mo
Today · 4.125%
HK$83,707
baseline
▲ 0.50% · 4.625%
HK$88,119
+HK$4,412/mo
Deposit HK$15.65M · loan HK$15.65M · min. income ≈ HK$167,414/mo (50% DSR)
Upfront cash ≈ HK$16.98M (deposit + AVD stamp duty HK$1,330,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,663
−HK$5,372/mo
▼ 0.25% · 3.875%
HK$88,328
−HK$2,707/mo
Today · 4.125%
HK$91,035
baseline
▲ 0.50% · 4.625%
HK$96,574
+HK$5,539/mo
Deposit HK$12.52M · loan HK$18.78M · min. income ≈ HK$182,070/mo (50% DSR)
Upfront cash ≈ HK$13.85M (deposit + AVD stamp duty HK$1,330,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,299
−HK$5,149/mo
▼ 0.25% · 3.875%
HK$97,855
−HK$2,593/mo
Today · 4.125%
HK$100,448
baseline
▲ 0.50% · 4.625%
HK$105,743
+HK$5,295/mo
Deposit HK$12.52M · loan HK$18.78M · min. income ≈ HK$200,896/mo (50% DSR)
Upfront cash ≈ HK$13.85M (deposit + AVD stamp duty HK$1,330,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,940
−HK$6,267/mo
▼ 0.25% · 3.875%
HK$103,049
−HK$3,158/mo
Today · 4.125%
HK$106,207
baseline
▲ 0.50% · 4.625%
HK$112,670
+HK$6,463/mo
Deposit HK$9.39M · loan HK$21.91M · min. income ≈ HK$212,414/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$1,330,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,182
−HK$6,007/mo
▼ 0.25% · 3.875%
HK$114,164
−HK$3,025/mo
Today · 4.125%
HK$117,189
baseline
▲ 0.50% · 4.625%
HK$123,366
+HK$6,177/mo
Deposit HK$9.39M · loan HK$21.91M · min. income ≈ HK$234,378/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$1,330,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,494
−HK$8,058/mo
▼ 0.25% · 3.875%
HK$132,491
−HK$4,061/mo
Today · 4.125%
HK$136,552
baseline
▲ 0.50% · 4.625%
HK$144,861
+HK$8,309/mo
Deposit HK$3.13M · loan HK$28.18M · min. income ≈ HK$273,104/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$1,330,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,949
−HK$7,723/mo
▼ 0.25% · 3.875%
HK$146,783
−HK$3,889/mo
Today · 4.125%
HK$150,672
baseline
▲ 0.50% · 4.625%
HK$158,614
+HK$7,942/mo
Deposit HK$3.13M · loan HK$28.18M · min. income ≈ HK$301,344/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$1,330,507 · Scale 2, in force from 26 Feb 2026)