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$73,274
−HK$4,595/mo
▼ 0.25% · 3.875%
HK$75,554
−HK$2,315/mo
Today · 4.125%
HK$77,869
baseline
▲ 0.50% · 4.625%
HK$82,608
+HK$4,739/mo
Deposit HK$16.07M · loan HK$16.07M · min. income ≈ HK$155,738/mo (50% DSR)
Upfront cash ≈ HK$17.43M (deposit + AVD stamp duty HK$1,365,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,517
−HK$4,404/mo
▼ 0.25% · 3.875%
HK$83,703
−HK$2,218/mo
Today · 4.125%
HK$85,921
baseline
▲ 0.50% · 4.625%
HK$90,450
+HK$4,529/mo
Deposit HK$16.07M · loan HK$16.07M · min. income ≈ HK$171,842/mo (50% DSR)
Upfront cash ≈ HK$17.43M (deposit + AVD stamp duty HK$1,365,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,929
−HK$5,514/mo
▼ 0.25% · 3.875%
HK$90,664
−HK$2,779/mo
Today · 4.125%
HK$93,443
baseline
▲ 0.50% · 4.625%
HK$99,129
+HK$5,686/mo
Deposit HK$12.85M · loan HK$19.28M · min. income ≈ HK$186,886/mo (50% DSR)
Upfront cash ≈ HK$14.22M (deposit + AVD stamp duty HK$1,365,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,821
−HK$5,285/mo
▼ 0.25% · 3.875%
HK$100,444
−HK$2,662/mo
Today · 4.125%
HK$103,106
baseline
▲ 0.50% · 4.625%
HK$108,540
+HK$5,434/mo
Deposit HK$12.85M · loan HK$19.28M · min. income ≈ HK$206,212/mo (50% DSR)
Upfront cash ≈ HK$14.22M (deposit + AVD stamp duty HK$1,365,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,584
−HK$6,433/mo
▼ 0.25% · 3.875%
HK$105,775
−HK$3,242/mo
Today · 4.125%
HK$109,017
baseline
▲ 0.50% · 4.625%
HK$115,651
+HK$6,634/mo
Deposit HK$9.64M · loan HK$22.49M · min. income ≈ HK$218,034/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$1,365,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,124
−HK$6,166/mo
▼ 0.25% · 3.875%
HK$117,185
−HK$3,105/mo
Today · 4.125%
HK$120,290
baseline
▲ 0.50% · 4.625%
HK$126,630
+HK$6,340/mo
Deposit HK$9.64M · loan HK$22.49M · min. income ≈ HK$240,580/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$1,365,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,894
−HK$8,271/mo
▼ 0.25% · 3.875%
HK$135,997
−HK$4,168/mo
Today · 4.125%
HK$140,165
baseline
▲ 0.50% · 4.625%
HK$148,694
+HK$8,529/mo
Deposit HK$3.21M · loan HK$28.92M · min. income ≈ HK$280,330/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$1,365,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,731
−HK$7,927/mo
▼ 0.25% · 3.875%
HK$150,666
−HK$3,992/mo
Today · 4.125%
HK$154,658
baseline
▲ 0.50% · 4.625%
HK$162,811
+HK$8,153/mo
Deposit HK$3.21M · loan HK$28.92M · min. income ≈ HK$309,316/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$1,365,709 · Scale 2, in force from 26 Feb 2026)