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$73,654
−HK$4,619/mo
▼ 0.25% · 3.875%
HK$75,945
−HK$2,328/mo
Today · 4.125%
HK$78,273
baseline
▲ 0.50% · 4.625%
HK$83,036
+HK$4,763/mo
Deposit HK$16.15M · loan HK$16.15M · min. income ≈ HK$156,546/mo (50% DSR)
Upfront cash ≈ HK$17.52M (deposit + AVD stamp duty HK$1,372,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,940
−HK$4,426/mo
▼ 0.25% · 3.875%
HK$84,137
−HK$2,229/mo
Today · 4.125%
HK$86,366
baseline
▲ 0.50% · 4.625%
HK$90,919
+HK$4,553/mo
Deposit HK$16.15M · loan HK$16.15M · min. income ≈ HK$172,732/mo (50% DSR)
Upfront cash ≈ HK$17.52M (deposit + AVD stamp duty HK$1,372,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,385
−HK$5,543/mo
▼ 0.25% · 3.875%
HK$91,134
−HK$2,794/mo
Today · 4.125%
HK$93,928
baseline
▲ 0.50% · 4.625%
HK$99,643
+HK$5,715/mo
Deposit HK$12.92M · loan HK$19.38M · min. income ≈ HK$187,856/mo (50% DSR)
Upfront cash ≈ HK$14.29M (deposit + AVD stamp duty HK$1,372,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,327
−HK$5,313/mo
▼ 0.25% · 3.875%
HK$100,965
−HK$2,675/mo
Today · 4.125%
HK$103,640
baseline
▲ 0.50% · 4.625%
HK$109,103
+HK$5,463/mo
Deposit HK$12.92M · loan HK$19.38M · min. income ≈ HK$207,280/mo (50% DSR)
Upfront cash ≈ HK$14.29M (deposit + AVD stamp duty HK$1,372,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,116
−HK$6,466/mo
▼ 0.25% · 3.875%
HK$106,323
−HK$3,259/mo
Today · 4.125%
HK$109,582
baseline
▲ 0.50% · 4.625%
HK$116,250
+HK$6,668/mo
Deposit HK$9.69M · loan HK$22.61M · min. income ≈ HK$219,164/mo (50% DSR)
Upfront cash ≈ HK$11.06M (deposit + AVD stamp duty HK$1,372,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,715
−HK$6,198/mo
▼ 0.25% · 3.875%
HK$117,792
−HK$3,121/mo
Today · 4.125%
HK$120,913
baseline
▲ 0.50% · 4.625%
HK$127,287
+HK$6,374/mo
Deposit HK$9.69M · loan HK$22.61M · min. income ≈ HK$241,826/mo (50% DSR)
Upfront cash ≈ HK$11.06M (deposit + AVD stamp duty HK$1,372,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,578
−HK$8,313/mo
▼ 0.25% · 3.875%
HK$136,701
−HK$4,190/mo
Today · 4.125%
HK$140,891
baseline
▲ 0.50% · 4.625%
HK$149,464
+HK$8,573/mo
Deposit HK$3.23M · loan HK$29.07M · min. income ≈ HK$281,782/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$1,372,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,491
−HK$7,969/mo
▼ 0.25% · 3.875%
HK$151,447
−HK$4,013/mo
Today · 4.125%
HK$155,460
baseline
▲ 0.50% · 4.625%
HK$163,654
+HK$8,194/mo
Deposit HK$3.23M · loan HK$29.07M · min. income ≈ HK$310,920/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$1,372,786 · Scale 2, in force from 26 Feb 2026)