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$73,266
−HK$4,595/mo
▼ 0.25% · 3.875%
HK$75,545
−HK$2,316/mo
Today · 4.125%
HK$77,861
baseline
▲ 0.50% · 4.625%
HK$82,599
+HK$4,738/mo
Deposit HK$16.07M · loan HK$16.07M · min. income ≈ HK$155,722/mo (50% DSR)
Upfront cash ≈ HK$17.43M (deposit + AVD stamp duty HK$1,365,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,508
−HK$4,404/mo
▼ 0.25% · 3.875%
HK$83,694
−HK$2,218/mo
Today · 4.125%
HK$85,912
baseline
▲ 0.50% · 4.625%
HK$90,440
+HK$4,528/mo
Deposit HK$16.07M · loan HK$16.07M · min. income ≈ HK$171,824/mo (50% DSR)
Upfront cash ≈ HK$17.43M (deposit + AVD stamp duty HK$1,365,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,920
−HK$5,513/mo
▼ 0.25% · 3.875%
HK$90,655
−HK$2,778/mo
Today · 4.125%
HK$93,433
baseline
▲ 0.50% · 4.625%
HK$99,118
+HK$5,685/mo
Deposit HK$12.85M · loan HK$19.28M · min. income ≈ HK$186,866/mo (50% DSR)
Upfront cash ≈ HK$14.22M (deposit + AVD stamp duty HK$1,365,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,810
−HK$5,284/mo
▼ 0.25% · 3.875%
HK$100,433
−HK$2,661/mo
Today · 4.125%
HK$103,094
baseline
▲ 0.50% · 4.625%
HK$108,528
+HK$5,434/mo
Deposit HK$12.85M · loan HK$19.28M · min. income ≈ HK$206,188/mo (50% DSR)
Upfront cash ≈ HK$14.22M (deposit + AVD stamp duty HK$1,365,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,573
−HK$6,432/mo
▼ 0.25% · 3.875%
HK$105,764
−HK$3,241/mo
Today · 4.125%
HK$109,005
baseline
▲ 0.50% · 4.625%
HK$115,638
+HK$6,633/mo
Deposit HK$9.64M · loan HK$22.49M · min. income ≈ HK$218,010/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$1,365,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,111
−HK$6,166/mo
▼ 0.25% · 3.875%
HK$117,172
−HK$3,105/mo
Today · 4.125%
HK$120,277
baseline
▲ 0.50% · 4.625%
HK$126,616
+HK$6,339/mo
Deposit HK$9.64M · loan HK$22.49M · min. income ≈ HK$240,554/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$1,365,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,880
−HK$8,270/mo
▼ 0.25% · 3.875%
HK$135,982
−HK$4,168/mo
Today · 4.125%
HK$140,150
baseline
▲ 0.50% · 4.625%
HK$148,677
+HK$8,527/mo
Deposit HK$3.21M · loan HK$28.92M · min. income ≈ HK$280,300/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$1,365,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,715
−HK$7,926/mo
▼ 0.25% · 3.875%
HK$150,649
−HK$3,992/mo
Today · 4.125%
HK$154,641
baseline
▲ 0.50% · 4.625%
HK$162,793
+HK$8,152/mo
Deposit HK$3.21M · loan HK$28.92M · min. income ≈ HK$309,282/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$1,365,559 · Scale 2, in force from 26 Feb 2026)