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$72,054
−HK$4,519/mo
▼ 0.25% · 3.875%
HK$74,295
−HK$2,278/mo
Today · 4.125%
HK$76,573
baseline
▲ 0.50% · 4.625%
HK$81,232
+HK$4,659/mo
Deposit HK$15.80M · loan HK$15.80M · min. income ≈ HK$153,146/mo (50% DSR)
Upfront cash ≈ HK$17.14M (deposit + AVD stamp duty HK$1,342,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,159
−HK$4,331/mo
▼ 0.25% · 3.875%
HK$82,309
−HK$2,181/mo
Today · 4.125%
HK$84,490
baseline
▲ 0.50% · 4.625%
HK$88,944
+HK$4,454/mo
Deposit HK$15.80M · loan HK$15.80M · min. income ≈ HK$168,980/mo (50% DSR)
Upfront cash ≈ HK$17.14M (deposit + AVD stamp duty HK$1,342,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,465
−HK$5,422/mo
▼ 0.25% · 3.875%
HK$89,154
−HK$2,733/mo
Today · 4.125%
HK$91,887
baseline
▲ 0.50% · 4.625%
HK$97,478
+HK$5,591/mo
Deposit HK$12.64M · loan HK$18.96M · min. income ≈ HK$183,774/mo (50% DSR)
Upfront cash ≈ HK$13.98M (deposit + AVD stamp duty HK$1,342,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,191
−HK$5,197/mo
▼ 0.25% · 3.875%
HK$98,771
−HK$2,617/mo
Today · 4.125%
HK$101,388
baseline
▲ 0.50% · 4.625%
HK$106,733
+HK$5,345/mo
Deposit HK$12.64M · loan HK$18.96M · min. income ≈ HK$202,776/mo (50% DSR)
Upfront cash ≈ HK$13.98M (deposit + AVD stamp duty HK$1,342,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,876
−HK$6,326/mo
▼ 0.25% · 3.875%
HK$104,014
−HK$3,188/mo
Today · 4.125%
HK$107,202
baseline
▲ 0.50% · 4.625%
HK$113,724
+HK$6,522/mo
Deposit HK$9.48M · loan HK$22.12M · min. income ≈ HK$214,404/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$1,342,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,223
−HK$6,063/mo
▼ 0.25% · 3.875%
HK$115,233
−HK$3,053/mo
Today · 4.125%
HK$118,286
baseline
▲ 0.50% · 4.625%
HK$124,521
+HK$6,235/mo
Deposit HK$9.48M · loan HK$22.12M · min. income ≈ HK$236,572/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$1,342,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,697
−HK$8,134/mo
▼ 0.25% · 3.875%
HK$133,732
−HK$4,099/mo
Today · 4.125%
HK$137,831
baseline
▲ 0.50% · 4.625%
HK$146,217
+HK$8,386/mo
Deposit HK$3.16M · loan HK$28.44M · min. income ≈ HK$275,662/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$1,342,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,287
−HK$7,795/mo
▼ 0.25% · 3.875%
HK$148,157
−HK$3,925/mo
Today · 4.125%
HK$152,082
baseline
▲ 0.50% · 4.625%
HK$160,099
+HK$8,017/mo
Deposit HK$3.16M · loan HK$28.44M · min. income ≈ HK$304,164/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$1,342,963 · Scale 2, in force from 26 Feb 2026)