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$68,697
−HK$4,308/mo
▼ 0.25% · 3.875%
HK$70,834
−HK$2,171/mo
Today · 4.125%
HK$73,005
baseline
▲ 0.50% · 4.625%
HK$77,447
+HK$4,442/mo
Deposit HK$15.06M · loan HK$15.06M · min. income ≈ HK$146,010/mo (50% DSR)
Upfront cash ≈ HK$16.34M (deposit + AVD stamp duty HK$1,280,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,425
−HK$4,129/mo
▼ 0.25% · 3.875%
HK$78,475
−HK$2,079/mo
Today · 4.125%
HK$80,554
baseline
▲ 0.50% · 4.625%
HK$84,800
+HK$4,246/mo
Deposit HK$15.06M · loan HK$15.06M · min. income ≈ HK$161,108/mo (50% DSR)
Upfront cash ≈ HK$16.34M (deposit + AVD stamp duty HK$1,280,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,437
−HK$5,169/mo
▼ 0.25% · 3.875%
HK$85,001
−HK$2,605/mo
Today · 4.125%
HK$87,606
baseline
▲ 0.50% · 4.625%
HK$92,937
+HK$5,331/mo
Deposit HK$12.05M · loan HK$18.08M · min. income ≈ HK$175,212/mo (50% DSR)
Upfront cash ≈ HK$13.33M (deposit + AVD stamp duty HK$1,280,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,710
−HK$4,955/mo
▼ 0.25% · 3.875%
HK$94,170
−HK$2,495/mo
Today · 4.125%
HK$96,665
baseline
▲ 0.50% · 4.625%
HK$101,760
+HK$5,095/mo
Deposit HK$12.05M · loan HK$18.08M · min. income ≈ HK$193,330/mo (50% DSR)
Upfront cash ≈ HK$13.33M (deposit + AVD stamp duty HK$1,280,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,176
−HK$6,031/mo
▼ 0.25% · 3.875%
HK$99,168
−HK$3,039/mo
Today · 4.125%
HK$102,207
baseline
▲ 0.50% · 4.625%
HK$108,426
+HK$6,219/mo
Deposit HK$9.04M · loan HK$21.09M · min. income ≈ HK$204,414/mo (50% DSR)
Upfront cash ≈ HK$10.32M (deposit + AVD stamp duty HK$1,280,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,995
−HK$5,781/mo
▼ 0.25% · 3.875%
HK$109,865
−HK$2,911/mo
Today · 4.125%
HK$112,776
baseline
▲ 0.50% · 4.625%
HK$118,720
+HK$5,944/mo
Deposit HK$9.04M · loan HK$21.09M · min. income ≈ HK$225,552/mo (50% DSR)
Upfront cash ≈ HK$10.32M (deposit + AVD stamp duty HK$1,280,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,655
−HK$7,754/mo
▼ 0.25% · 3.875%
HK$127,501
−HK$3,908/mo
Today · 4.125%
HK$131,409
baseline
▲ 0.50% · 4.625%
HK$139,405
+HK$7,996/mo
Deposit HK$3.01M · loan HK$27.11M · min. income ≈ HK$262,818/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$1,280,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,565
−HK$7,432/mo
▼ 0.25% · 3.875%
HK$141,254
−HK$3,743/mo
Today · 4.125%
HK$144,997
baseline
▲ 0.50% · 4.625%
HK$152,640
+HK$7,643/mo
Deposit HK$3.01M · loan HK$27.11M · min. income ≈ HK$289,994/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$1,280,398 · Scale 2, in force from 26 Feb 2026)