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$70,254
−HK$4,405/mo
▼ 0.25% · 3.875%
HK$72,439
−HK$2,220/mo
Today · 4.125%
HK$74,659
baseline
▲ 0.50% · 4.625%
HK$79,202
+HK$4,543/mo
Deposit HK$15.40M · loan HK$15.40M · min. income ≈ HK$149,318/mo (50% DSR)
Upfront cash ≈ HK$16.71M (deposit + AVD stamp duty HK$1,309,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,157
−HK$4,222/mo
▼ 0.25% · 3.875%
HK$80,253
−HK$2,126/mo
Today · 4.125%
HK$82,379
baseline
▲ 0.50% · 4.625%
HK$86,722
+HK$4,343/mo
Deposit HK$15.40M · loan HK$15.40M · min. income ≈ HK$164,758/mo (50% DSR)
Upfront cash ≈ HK$16.71M (deposit + AVD stamp duty HK$1,309,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,305
−HK$5,286/mo
▼ 0.25% · 3.875%
HK$86,927
−HK$2,664/mo
Today · 4.125%
HK$89,591
baseline
▲ 0.50% · 4.625%
HK$95,043
+HK$5,452/mo
Deposit HK$12.32M · loan HK$18.49M · min. income ≈ HK$179,182/mo (50% DSR)
Upfront cash ≈ HK$13.63M (deposit + AVD stamp duty HK$1,309,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,788
−HK$5,067/mo
▼ 0.25% · 3.875%
HK$96,303
−HK$2,552/mo
Today · 4.125%
HK$98,855
baseline
▲ 0.50% · 4.625%
HK$104,066
+HK$5,211/mo
Deposit HK$12.32M · loan HK$18.49M · min. income ≈ HK$197,710/mo (50% DSR)
Upfront cash ≈ HK$13.63M (deposit + AVD stamp duty HK$1,309,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,355
−HK$6,168/mo
▼ 0.25% · 3.875%
HK$101,415
−HK$3,108/mo
Today · 4.125%
HK$104,523
baseline
▲ 0.50% · 4.625%
HK$110,883
+HK$6,360/mo
Deposit HK$9.24M · loan HK$21.57M · min. income ≈ HK$209,046/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$1,309,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,419
−HK$5,912/mo
▼ 0.25% · 3.875%
HK$112,354
−HK$2,977/mo
Today · 4.125%
HK$115,331
baseline
▲ 0.50% · 4.625%
HK$121,410
+HK$6,079/mo
Deposit HK$9.24M · loan HK$21.57M · min. income ≈ HK$230,662/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$1,309,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,457
−HK$7,930/mo
▼ 0.25% · 3.875%
HK$130,390
−HK$3,997/mo
Today · 4.125%
HK$134,387
baseline
▲ 0.50% · 4.625%
HK$142,564
+HK$8,177/mo
Deposit HK$3.08M · loan HK$27.73M · min. income ≈ HK$268,774/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,309,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,682
−HK$7,601/mo
▼ 0.25% · 3.875%
HK$144,455
−HK$3,828/mo
Today · 4.125%
HK$148,283
baseline
▲ 0.50% · 4.625%
HK$156,099
+HK$7,816/mo
Deposit HK$3.08M · loan HK$27.73M · min. income ≈ HK$296,566/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,309,409 · Scale 2, in force from 26 Feb 2026)