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$68,671
−HK$4,306/mo
▼ 0.25% · 3.875%
HK$70,807
−HK$2,170/mo
Today · 4.125%
HK$72,977
baseline
▲ 0.50% · 4.625%
HK$77,418
+HK$4,441/mo
Deposit HK$15.06M · loan HK$15.06M · min. income ≈ HK$145,954/mo (50% DSR)
Upfront cash ≈ HK$16.34M (deposit + AVD stamp duty HK$1,279,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,396
−HK$4,127/mo
▼ 0.25% · 3.875%
HK$78,445
−HK$2,078/mo
Today · 4.125%
HK$80,523
baseline
▲ 0.50% · 4.625%
HK$84,768
+HK$4,245/mo
Deposit HK$15.06M · loan HK$15.06M · min. income ≈ HK$161,046/mo (50% DSR)
Upfront cash ≈ HK$16.34M (deposit + AVD stamp duty HK$1,279,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,405
−HK$5,168/mo
▼ 0.25% · 3.875%
HK$84,968
−HK$2,605/mo
Today · 4.125%
HK$87,573
baseline
▲ 0.50% · 4.625%
HK$92,901
+HK$5,328/mo
Deposit HK$12.05M · loan HK$18.07M · min. income ≈ HK$175,146/mo (50% DSR)
Upfront cash ≈ HK$13.33M (deposit + AVD stamp duty HK$1,279,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,675
−HK$4,953/mo
▼ 0.25% · 3.875%
HK$94,134
−HK$2,494/mo
Today · 4.125%
HK$96,628
baseline
▲ 0.50% · 4.625%
HK$101,721
+HK$5,093/mo
Deposit HK$12.05M · loan HK$18.07M · min. income ≈ HK$193,256/mo (50% DSR)
Upfront cash ≈ HK$13.33M (deposit + AVD stamp duty HK$1,279,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,139
−HK$6,029/mo
▼ 0.25% · 3.875%
HK$99,130
−HK$3,038/mo
Today · 4.125%
HK$102,168
baseline
▲ 0.50% · 4.625%
HK$108,385
+HK$6,217/mo
Deposit HK$9.03M · loan HK$21.08M · min. income ≈ HK$204,336/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$1,279,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,954
−HK$5,778/mo
▼ 0.25% · 3.875%
HK$109,822
−HK$2,910/mo
Today · 4.125%
HK$112,732
baseline
▲ 0.50% · 4.625%
HK$118,675
+HK$5,943/mo
Deposit HK$9.03M · loan HK$21.08M · min. income ≈ HK$225,464/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$1,279,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,608
−HK$7,751/mo
▼ 0.25% · 3.875%
HK$127,453
−HK$3,906/mo
Today · 4.125%
HK$131,359
baseline
▲ 0.50% · 4.625%
HK$139,352
+HK$7,993/mo
Deposit HK$3.01M · loan HK$27.10M · min. income ≈ HK$262,718/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$1,279,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,512
−HK$7,430/mo
▼ 0.25% · 3.875%
HK$141,200
−HK$3,742/mo
Today · 4.125%
HK$144,942
baseline
▲ 0.50% · 4.625%
HK$152,582
+HK$7,640/mo
Deposit HK$3.01M · loan HK$27.10M · min. income ≈ HK$289,884/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$1,279,907 · Scale 2, in force from 26 Feb 2026)