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$70,786
−HK$4,439/mo
▼ 0.25% · 3.875%
HK$72,988
−HK$2,237/mo
Today · 4.125%
HK$75,225
baseline
▲ 0.50% · 4.625%
HK$79,802
+HK$4,577/mo
Deposit HK$15.52M · loan HK$15.52M · min. income ≈ HK$150,450/mo (50% DSR)
Upfront cash ≈ HK$16.84M (deposit + AVD stamp duty HK$1,319,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,749
−HK$4,254/mo
▼ 0.25% · 3.875%
HK$80,861
−HK$2,142/mo
Today · 4.125%
HK$83,003
baseline
▲ 0.50% · 4.625%
HK$87,378
+HK$4,375/mo
Deposit HK$15.52M · loan HK$15.52M · min. income ≈ HK$166,006/mo (50% DSR)
Upfront cash ≈ HK$16.84M (deposit + AVD stamp duty HK$1,319,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,943
−HK$5,327/mo
▼ 0.25% · 3.875%
HK$87,585
−HK$2,685/mo
Today · 4.125%
HK$90,270
baseline
▲ 0.50% · 4.625%
HK$95,762
+HK$5,492/mo
Deposit HK$12.42M · loan HK$18.63M · min. income ≈ HK$180,540/mo (50% DSR)
Upfront cash ≈ HK$13.74M (deposit + AVD stamp duty HK$1,319,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,498
−HK$5,106/mo
▼ 0.25% · 3.875%
HK$97,033
−HK$2,571/mo
Today · 4.125%
HK$99,604
baseline
▲ 0.50% · 4.625%
HK$104,854
+HK$5,250/mo
Deposit HK$12.42M · loan HK$18.63M · min. income ≈ HK$199,208/mo (50% DSR)
Upfront cash ≈ HK$13.74M (deposit + AVD stamp duty HK$1,319,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,100
−HK$6,215/mo
▼ 0.25% · 3.875%
HK$102,183
−HK$3,132/mo
Today · 4.125%
HK$105,315
baseline
▲ 0.50% · 4.625%
HK$111,723
+HK$6,408/mo
Deposit HK$9.31M · loan HK$21.73M · min. income ≈ HK$210,630/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,319,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,248
−HK$5,956/mo
▼ 0.25% · 3.875%
HK$113,205
−HK$2,999/mo
Today · 4.125%
HK$116,204
baseline
▲ 0.50% · 4.625%
HK$122,330
+HK$6,126/mo
Deposit HK$9.31M · loan HK$21.73M · min. income ≈ HK$232,408/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,319,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,415
−HK$7,990/mo
▼ 0.25% · 3.875%
HK$131,378
−HK$4,027/mo
Today · 4.125%
HK$135,405
baseline
▲ 0.50% · 4.625%
HK$143,644
+HK$8,239/mo
Deposit HK$3.10M · loan HK$27.94M · min. income ≈ HK$270,810/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$1,319,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,747
−HK$7,659/mo
▼ 0.25% · 3.875%
HK$145,549
−HK$3,857/mo
Today · 4.125%
HK$149,406
baseline
▲ 0.50% · 4.625%
HK$157,281
+HK$7,875/mo
Deposit HK$3.10M · loan HK$27.94M · min. income ≈ HK$298,812/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$1,319,326 · Scale 2, in force from 26 Feb 2026)