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$71,858
−HK$4,506/mo
▼ 0.25% · 3.875%
HK$74,093
−HK$2,271/mo
Today · 4.125%
HK$76,364
baseline
▲ 0.50% · 4.625%
HK$81,010
+HK$4,646/mo
Deposit HK$15.76M · loan HK$15.76M · min. income ≈ HK$152,728/mo (50% DSR)
Upfront cash ≈ HK$17.10M (deposit + AVD stamp duty HK$1,339,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,941
−HK$4,319/mo
▼ 0.25% · 3.875%
HK$82,085
−HK$2,175/mo
Today · 4.125%
HK$84,260
baseline
▲ 0.50% · 4.625%
HK$88,701
+HK$4,441/mo
Deposit HK$15.76M · loan HK$15.76M · min. income ≈ HK$168,520/mo (50% DSR)
Upfront cash ≈ HK$17.10M (deposit + AVD stamp duty HK$1,339,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,229
−HK$5,408/mo
▼ 0.25% · 3.875%
HK$88,912
−HK$2,725/mo
Today · 4.125%
HK$91,637
baseline
▲ 0.50% · 4.625%
HK$97,212
+HK$5,575/mo
Deposit HK$12.61M · loan HK$18.91M · min. income ≈ HK$183,274/mo (50% DSR)
Upfront cash ≈ HK$13.94M (deposit + AVD stamp duty HK$1,339,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,929
−HK$5,183/mo
▼ 0.25% · 3.875%
HK$98,502
−HK$2,610/mo
Today · 4.125%
HK$101,112
baseline
▲ 0.50% · 4.625%
HK$106,442
+HK$5,330/mo
Deposit HK$12.61M · loan HK$18.91M · min. income ≈ HK$202,224/mo (50% DSR)
Upfront cash ≈ HK$13.94M (deposit + AVD stamp duty HK$1,339,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,601
−HK$6,308/mo
▼ 0.25% · 3.875%
HK$103,730
−HK$3,179/mo
Today · 4.125%
HK$106,909
baseline
▲ 0.50% · 4.625%
HK$113,415
+HK$6,506/mo
Deposit HK$9.45M · loan HK$22.06M · min. income ≈ HK$213,818/mo (50% DSR)
Upfront cash ≈ HK$10.79M (deposit + AVD stamp duty HK$1,339,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,917
−HK$6,047/mo
▼ 0.25% · 3.875%
HK$114,919
−HK$3,045/mo
Today · 4.125%
HK$117,964
baseline
▲ 0.50% · 4.625%
HK$124,182
+HK$6,218/mo
Deposit HK$9.45M · loan HK$22.06M · min. income ≈ HK$235,928/mo (50% DSR)
Upfront cash ≈ HK$10.79M (deposit + AVD stamp duty HK$1,339,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,344
−HK$8,111/mo
▼ 0.25% · 3.875%
HK$133,367
−HK$4,088/mo
Today · 4.125%
HK$137,455
baseline
▲ 0.50% · 4.625%
HK$145,819
+HK$8,364/mo
Deposit HK$3.15M · loan HK$28.36M · min. income ≈ HK$274,910/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$1,339,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,894
−HK$7,774/mo
▼ 0.25% · 3.875%
HK$147,753
−HK$3,915/mo
Today · 4.125%
HK$151,668
baseline
▲ 0.50% · 4.625%
HK$159,663
+HK$7,995/mo
Deposit HK$3.15M · loan HK$28.36M · min. income ≈ HK$303,336/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$1,339,303 · Scale 2, in force from 26 Feb 2026)