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$70,282
−HK$4,407/mo
▼ 0.25% · 3.875%
HK$72,468
−HK$2,221/mo
Today · 4.125%
HK$74,689
baseline
▲ 0.50% · 4.625%
HK$79,234
+HK$4,545/mo
Deposit HK$15.41M · loan HK$15.41M · min. income ≈ HK$149,378/mo (50% DSR)
Upfront cash ≈ HK$16.72M (deposit + AVD stamp duty HK$1,309,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,188
−HK$4,224/mo
▼ 0.25% · 3.875%
HK$80,285
−HK$2,127/mo
Today · 4.125%
HK$82,412
baseline
▲ 0.50% · 4.625%
HK$86,756
+HK$4,344/mo
Deposit HK$15.41M · loan HK$15.41M · min. income ≈ HK$164,824/mo (50% DSR)
Upfront cash ≈ HK$16.72M (deposit + AVD stamp duty HK$1,309,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,338
−HK$5,289/mo
▼ 0.25% · 3.875%
HK$86,962
−HK$2,665/mo
Today · 4.125%
HK$89,627
baseline
▲ 0.50% · 4.625%
HK$95,081
+HK$5,454/mo
Deposit HK$12.33M · loan HK$18.49M · min. income ≈ HK$179,254/mo (50% DSR)
Upfront cash ≈ HK$13.64M (deposit + AVD stamp duty HK$1,309,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,825
−HK$5,070/mo
▼ 0.25% · 3.875%
HK$96,342
−HK$2,553/mo
Today · 4.125%
HK$98,895
baseline
▲ 0.50% · 4.625%
HK$104,107
+HK$5,212/mo
Deposit HK$12.33M · loan HK$18.49M · min. income ≈ HK$197,790/mo (50% DSR)
Upfront cash ≈ HK$13.64M (deposit + AVD stamp duty HK$1,309,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,395
−HK$6,170/mo
▼ 0.25% · 3.875%
HK$101,455
−HK$3,110/mo
Today · 4.125%
HK$104,565
baseline
▲ 0.50% · 4.625%
HK$110,927
+HK$6,362/mo
Deposit HK$9.25M · loan HK$21.58M · min. income ≈ HK$209,130/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$1,309,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,463
−HK$5,914/mo
▼ 0.25% · 3.875%
HK$112,399
−HK$2,978/mo
Today · 4.125%
HK$115,377
baseline
▲ 0.50% · 4.625%
HK$121,459
+HK$6,082/mo
Deposit HK$9.25M · loan HK$21.58M · min. income ≈ HK$230,754/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$1,309,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,507
−HK$7,933/mo
▼ 0.25% · 3.875%
HK$130,442
−HK$3,998/mo
Today · 4.125%
HK$134,440
baseline
▲ 0.50% · 4.625%
HK$142,621
+HK$8,181/mo
Deposit HK$3.08M · loan HK$27.74M · min. income ≈ HK$268,880/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,309,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,738
−HK$7,604/mo
▼ 0.25% · 3.875%
HK$144,513
−HK$3,829/mo
Today · 4.125%
HK$148,342
baseline
▲ 0.50% · 4.625%
HK$156,161
+HK$7,819/mo
Deposit HK$3.08M · loan HK$27.74M · min. income ≈ HK$296,684/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,309,932 · Scale 2, in force from 26 Feb 2026)