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$70,744
−HK$4,437/mo
▼ 0.25% · 3.875%
HK$72,945
−HK$2,236/mo
Today · 4.125%
HK$75,181
baseline
▲ 0.50% · 4.625%
HK$79,755
+HK$4,574/mo
Deposit HK$15.51M · loan HK$15.51M · min. income ≈ HK$150,362/mo (50% DSR)
Upfront cash ≈ HK$16.83M (deposit + AVD stamp duty HK$1,318,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,702
−HK$4,252/mo
▼ 0.25% · 3.875%
HK$80,813
−HK$2,141/mo
Today · 4.125%
HK$82,954
baseline
▲ 0.50% · 4.625%
HK$87,327
+HK$4,373/mo
Deposit HK$15.51M · loan HK$15.51M · min. income ≈ HK$165,908/mo (50% DSR)
Upfront cash ≈ HK$16.83M (deposit + AVD stamp duty HK$1,318,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,893
−HK$5,324/mo
▼ 0.25% · 3.875%
HK$87,534
−HK$2,683/mo
Today · 4.125%
HK$90,217
baseline
▲ 0.50% · 4.625%
HK$95,706
+HK$5,489/mo
Deposit HK$12.41M · loan HK$18.61M · min. income ≈ HK$180,434/mo (50% DSR)
Upfront cash ≈ HK$13.73M (deposit + AVD stamp duty HK$1,318,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,443
−HK$5,102/mo
▼ 0.25% · 3.875%
HK$96,976
−HK$2,569/mo
Today · 4.125%
HK$99,545
baseline
▲ 0.50% · 4.625%
HK$104,792
+HK$5,247/mo
Deposit HK$12.41M · loan HK$18.61M · min. income ≈ HK$199,090/mo (50% DSR)
Upfront cash ≈ HK$13.73M (deposit + AVD stamp duty HK$1,318,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,042
−HK$6,211/mo
▼ 0.25% · 3.875%
HK$102,123
−HK$3,130/mo
Today · 4.125%
HK$105,253
baseline
▲ 0.50% · 4.625%
HK$111,657
+HK$6,404/mo
Deposit HK$9.31M · loan HK$21.72M · min. income ≈ HK$210,506/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,318,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,183
−HK$5,953/mo
▼ 0.25% · 3.875%
HK$113,138
−HK$2,998/mo
Today · 4.125%
HK$116,136
baseline
▲ 0.50% · 4.625%
HK$122,258
+HK$6,122/mo
Deposit HK$9.31M · loan HK$21.72M · min. income ≈ HK$232,272/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,318,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,340
−HK$7,985/mo
▼ 0.25% · 3.875%
HK$131,301
−HK$4,024/mo
Today · 4.125%
HK$135,325
baseline
▲ 0.50% · 4.625%
HK$143,559
+HK$8,234/mo
Deposit HK$3.10M · loan HK$27.92M · min. income ≈ HK$270,650/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$1,318,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,664
−HK$7,654/mo
▼ 0.25% · 3.875%
HK$145,463
−HK$3,855/mo
Today · 4.125%
HK$149,318
baseline
▲ 0.50% · 4.625%
HK$157,188
+HK$7,870/mo
Deposit HK$3.10M · loan HK$27.92M · min. income ≈ HK$298,636/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$1,318,550 · Scale 2, in force from 26 Feb 2026)