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$72,803
−HK$4,565/mo
▼ 0.25% · 3.875%
HK$75,068
−HK$2,300/mo
Today · 4.125%
HK$77,368
baseline
▲ 0.50% · 4.625%
HK$82,076
+HK$4,708/mo
Deposit HK$15.96M · loan HK$15.96M · min. income ≈ HK$154,736/mo (50% DSR)
Upfront cash ≈ HK$17.32M (deposit + AVD stamp duty HK$1,356,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,993
−HK$4,375/mo
▼ 0.25% · 3.875%
HK$83,165
−HK$2,203/mo
Today · 4.125%
HK$85,368
baseline
▲ 0.50% · 4.625%
HK$89,868
+HK$4,500/mo
Deposit HK$15.96M · loan HK$15.96M · min. income ≈ HK$170,736/mo (50% DSR)
Upfront cash ≈ HK$17.32M (deposit + AVD stamp duty HK$1,356,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,364
−HK$5,478/mo
▼ 0.25% · 3.875%
HK$90,081
−HK$2,761/mo
Today · 4.125%
HK$92,842
baseline
▲ 0.50% · 4.625%
HK$98,491
+HK$5,649/mo
Deposit HK$12.77M · loan HK$19.16M · min. income ≈ HK$185,684/mo (50% DSR)
Upfront cash ≈ HK$14.13M (deposit + AVD stamp duty HK$1,356,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,191
−HK$5,251/mo
▼ 0.25% · 3.875%
HK$99,798
−HK$2,644/mo
Today · 4.125%
HK$102,442
baseline
▲ 0.50% · 4.625%
HK$107,842
+HK$5,400/mo
Deposit HK$12.77M · loan HK$19.16M · min. income ≈ HK$204,884/mo (50% DSR)
Upfront cash ≈ HK$14.13M (deposit + AVD stamp duty HK$1,356,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,924
−HK$6,392/mo
▼ 0.25% · 3.875%
HK$105,095
−HK$3,221/mo
Today · 4.125%
HK$108,316
baseline
▲ 0.50% · 4.625%
HK$114,906
+HK$6,590/mo
Deposit HK$9.58M · loan HK$22.35M · min. income ≈ HK$216,632/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$1,356,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,390
−HK$6,126/mo
▼ 0.25% · 3.875%
HK$116,431
−HK$3,085/mo
Today · 4.125%
HK$119,516
baseline
▲ 0.50% · 4.625%
HK$125,815
+HK$6,299/mo
Deposit HK$9.58M · loan HK$22.35M · min. income ≈ HK$239,032/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$1,356,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,045
−HK$8,218/mo
▼ 0.25% · 3.875%
HK$135,122
−HK$4,141/mo
Today · 4.125%
HK$139,263
baseline
▲ 0.50% · 4.625%
HK$147,737
+HK$8,474/mo
Deposit HK$3.19M · loan HK$28.73M · min. income ≈ HK$278,526/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$1,356,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,787
−HK$7,876/mo
▼ 0.25% · 3.875%
HK$149,697
−HK$3,966/mo
Today · 4.125%
HK$153,663
baseline
▲ 0.50% · 4.625%
HK$161,763
+HK$8,100/mo
Deposit HK$3.19M · loan HK$28.73M · min. income ≈ HK$307,326/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$1,356,920 · Scale 2, in force from 26 Feb 2026)