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$70,033
−HK$4,392/mo
▼ 0.25% · 3.875%
HK$72,211
−HK$2,214/mo
Today · 4.125%
HK$74,425
baseline
▲ 0.50% · 4.625%
HK$78,953
+HK$4,528/mo
Deposit HK$15.36M · loan HK$15.36M · min. income ≈ HK$148,850/mo (50% DSR)
Upfront cash ≈ HK$16.66M (deposit + AVD stamp duty HK$1,305,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,911
−HK$4,209/mo
▼ 0.25% · 3.875%
HK$80,001
−HK$2,119/mo
Today · 4.125%
HK$82,120
baseline
▲ 0.50% · 4.625%
HK$86,449
+HK$4,329/mo
Deposit HK$15.36M · loan HK$15.36M · min. income ≈ HK$164,240/mo (50% DSR)
Upfront cash ≈ HK$16.66M (deposit + AVD stamp duty HK$1,305,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,040
−HK$5,270/mo
▼ 0.25% · 3.875%
HK$86,654
−HK$2,656/mo
Today · 4.125%
HK$89,310
baseline
▲ 0.50% · 4.625%
HK$94,744
+HK$5,434/mo
Deposit HK$12.29M · loan HK$18.43M · min. income ≈ HK$178,620/mo (50% DSR)
Upfront cash ≈ HK$13.59M (deposit + AVD stamp duty HK$1,305,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,493
−HK$5,051/mo
▼ 0.25% · 3.875%
HK$96,001
−HK$2,543/mo
Today · 4.125%
HK$98,544
baseline
▲ 0.50% · 4.625%
HK$103,739
+HK$5,195/mo
Deposit HK$12.29M · loan HK$18.43M · min. income ≈ HK$197,088/mo (50% DSR)
Upfront cash ≈ HK$13.59M (deposit + AVD stamp duty HK$1,305,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,046
−HK$6,149/mo
▼ 0.25% · 3.875%
HK$101,096
−HK$3,099/mo
Today · 4.125%
HK$104,195
baseline
▲ 0.50% · 4.625%
HK$110,535
+HK$6,340/mo
Deposit HK$9.21M · loan HK$21.50M · min. income ≈ HK$208,390/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$1,305,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,075
−HK$5,893/mo
▼ 0.25% · 3.875%
HK$112,001
−HK$2,967/mo
Today · 4.125%
HK$114,968
baseline
▲ 0.50% · 4.625%
HK$121,029
+HK$6,061/mo
Deposit HK$9.21M · loan HK$21.50M · min. income ≈ HK$229,936/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$1,305,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,059
−HK$7,906/mo
▼ 0.25% · 3.875%
HK$129,981
−HK$3,984/mo
Today · 4.125%
HK$133,965
baseline
▲ 0.50% · 4.625%
HK$142,116
+HK$8,151/mo
Deposit HK$3.07M · loan HK$27.64M · min. income ≈ HK$267,930/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,305,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,240
−HK$7,577/mo
▼ 0.25% · 3.875%
HK$144,001
−HK$3,816/mo
Today · 4.125%
HK$147,817
baseline
▲ 0.50% · 4.625%
HK$155,608
+HK$7,791/mo
Deposit HK$3.07M · loan HK$27.64M · min. income ≈ HK$295,634/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,305,294 · Scale 2, in force from 26 Feb 2026)