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$71,837
−HK$4,505/mo
▼ 0.25% · 3.875%
HK$74,072
−HK$2,270/mo
Today · 4.125%
HK$76,342
baseline
▲ 0.50% · 4.625%
HK$80,987
+HK$4,645/mo
Deposit HK$15.75M · loan HK$15.75M · min. income ≈ HK$152,684/mo (50% DSR)
Upfront cash ≈ HK$17.09M (deposit + AVD stamp duty HK$1,338,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,918
−HK$4,318/mo
▼ 0.25% · 3.875%
HK$82,061
−HK$2,175/mo
Today · 4.125%
HK$84,236
baseline
▲ 0.50% · 4.625%
HK$88,676
+HK$4,440/mo
Deposit HK$15.75M · loan HK$15.75M · min. income ≈ HK$168,472/mo (50% DSR)
Upfront cash ≈ HK$17.09M (deposit + AVD stamp duty HK$1,338,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,205
−HK$5,405/mo
▼ 0.25% · 3.875%
HK$88,886
−HK$2,724/mo
Today · 4.125%
HK$91,610
baseline
▲ 0.50% · 4.625%
HK$97,185
+HK$5,575/mo
Deposit HK$12.60M · loan HK$18.90M · min. income ≈ HK$183,220/mo (50% DSR)
Upfront cash ≈ HK$13.94M (deposit + AVD stamp duty HK$1,338,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,902
−HK$5,181/mo
▼ 0.25% · 3.875%
HK$98,474
−HK$2,609/mo
Today · 4.125%
HK$101,083
baseline
▲ 0.50% · 4.625%
HK$106,411
+HK$5,328/mo
Deposit HK$12.60M · loan HK$18.90M · min. income ≈ HK$202,166/mo (50% DSR)
Upfront cash ≈ HK$13.94M (deposit + AVD stamp duty HK$1,338,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,572
−HK$6,307/mo
▼ 0.25% · 3.875%
HK$103,700
−HK$3,179/mo
Today · 4.125%
HK$106,879
baseline
▲ 0.50% · 4.625%
HK$113,382
+HK$6,503/mo
Deposit HK$9.45M · loan HK$22.05M · min. income ≈ HK$213,758/mo (50% DSR)
Upfront cash ≈ HK$10.79M (deposit + AVD stamp duty HK$1,338,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,885
−HK$6,045/mo
▼ 0.25% · 3.875%
HK$114,886
−HK$3,044/mo
Today · 4.125%
HK$117,930
baseline
▲ 0.50% · 4.625%
HK$124,146
+HK$6,216/mo
Deposit HK$9.45M · loan HK$22.05M · min. income ≈ HK$235,860/mo (50% DSR)
Upfront cash ≈ HK$10.79M (deposit + AVD stamp duty HK$1,338,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,307
−HK$8,109/mo
▼ 0.25% · 3.875%
HK$133,329
−HK$4,087/mo
Today · 4.125%
HK$137,416
baseline
▲ 0.50% · 4.625%
HK$145,777
+HK$8,361/mo
Deposit HK$3.15M · loan HK$28.35M · min. income ≈ HK$274,832/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$1,338,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,853
−HK$7,771/mo
▼ 0.25% · 3.875%
HK$147,711
−HK$3,913/mo
Today · 4.125%
HK$151,624
baseline
▲ 0.50% · 4.625%
HK$159,617
+HK$7,993/mo
Deposit HK$3.15M · loan HK$28.35M · min. income ≈ HK$303,248/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$1,338,919 · Scale 2, in force from 26 Feb 2026)