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$69,118
−HK$4,334/mo
▼ 0.25% · 3.875%
HK$71,268
−HK$2,184/mo
Today · 4.125%
HK$73,452
baseline
▲ 0.50% · 4.625%
HK$77,921
+HK$4,469/mo
Deposit HK$15.16M · loan HK$15.16M · min. income ≈ HK$146,904/mo (50% DSR)
Upfront cash ≈ HK$16.44M (deposit + AVD stamp duty HK$1,288,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,893
−HK$4,154/mo
▼ 0.25% · 3.875%
HK$78,955
−HK$2,092/mo
Today · 4.125%
HK$81,047
baseline
▲ 0.50% · 4.625%
HK$85,319
+HK$4,272/mo
Deposit HK$15.16M · loan HK$15.16M · min. income ≈ HK$162,094/mo (50% DSR)
Upfront cash ≈ HK$16.44M (deposit + AVD stamp duty HK$1,288,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,941
−HK$5,201/mo
▼ 0.25% · 3.875%
HK$85,521
−HK$2,621/mo
Today · 4.125%
HK$88,142
baseline
▲ 0.50% · 4.625%
HK$93,505
+HK$5,363/mo
Deposit HK$12.12M · loan HK$18.19M · min. income ≈ HK$176,284/mo (50% DSR)
Upfront cash ≈ HK$13.41M (deposit + AVD stamp duty HK$1,288,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,271
−HK$4,985/mo
▼ 0.25% · 3.875%
HK$94,746
−HK$2,510/mo
Today · 4.125%
HK$97,256
baseline
▲ 0.50% · 4.625%
HK$102,383
+HK$5,127/mo
Deposit HK$12.12M · loan HK$18.19M · min. income ≈ HK$194,512/mo (50% DSR)
Upfront cash ≈ HK$13.41M (deposit + AVD stamp duty HK$1,288,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,765
−HK$6,068/mo
▼ 0.25% · 3.875%
HK$99,775
−HK$3,058/mo
Today · 4.125%
HK$102,833
baseline
▲ 0.50% · 4.625%
HK$109,090
+HK$6,257/mo
Deposit HK$9.09M · loan HK$21.22M · min. income ≈ HK$205,666/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$1,288,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,650
−HK$5,816/mo
▼ 0.25% · 3.875%
HK$110,537
−HK$2,929/mo
Today · 4.125%
HK$113,466
baseline
▲ 0.50% · 4.625%
HK$119,447
+HK$5,981/mo
Deposit HK$9.09M · loan HK$21.22M · min. income ≈ HK$226,932/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$1,288,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,412
−HK$7,801/mo
▼ 0.25% · 3.875%
HK$128,282
−HK$3,931/mo
Today · 4.125%
HK$132,213
baseline
▲ 0.50% · 4.625%
HK$140,258
+HK$8,045/mo
Deposit HK$3.03M · loan HK$27.28M · min. income ≈ HK$264,426/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$1,288,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,407
−HK$7,477/mo
▼ 0.25% · 3.875%
HK$142,119
−HK$3,765/mo
Today · 4.125%
HK$145,884
baseline
▲ 0.50% · 4.625%
HK$153,574
+HK$7,690/mo
Deposit HK$3.03M · loan HK$27.28M · min. income ≈ HK$291,768/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$1,288,232 · Scale 2, in force from 26 Feb 2026)