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$70,694
−HK$4,434/mo
▼ 0.25% · 3.875%
HK$72,893
−HK$2,235/mo
Today · 4.125%
HK$75,128
baseline
▲ 0.50% · 4.625%
HK$79,699
+HK$4,571/mo
Deposit HK$15.50M · loan HK$15.50M · min. income ≈ HK$150,256/mo (50% DSR)
Upfront cash ≈ HK$16.82M (deposit + AVD stamp duty HK$1,317,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,647
−HK$4,249/mo
▼ 0.25% · 3.875%
HK$80,756
−HK$2,140/mo
Today · 4.125%
HK$82,896
baseline
▲ 0.50% · 4.625%
HK$87,265
+HK$4,369/mo
Deposit HK$15.50M · loan HK$15.50M · min. income ≈ HK$165,792/mo (50% DSR)
Upfront cash ≈ HK$16.82M (deposit + AVD stamp duty HK$1,317,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,833
−HK$5,320/mo
▼ 0.25% · 3.875%
HK$87,472
−HK$2,681/mo
Today · 4.125%
HK$90,153
baseline
▲ 0.50% · 4.625%
HK$95,639
+HK$5,486/mo
Deposit HK$12.40M · loan HK$18.60M · min. income ≈ HK$180,306/mo (50% DSR)
Upfront cash ≈ HK$13.72M (deposit + AVD stamp duty HK$1,317,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,376
−HK$5,099/mo
▼ 0.25% · 3.875%
HK$96,907
−HK$2,568/mo
Today · 4.125%
HK$99,475
baseline
▲ 0.50% · 4.625%
HK$104,718
+HK$5,243/mo
Deposit HK$12.40M · loan HK$18.60M · min. income ≈ HK$198,950/mo (50% DSR)
Upfront cash ≈ HK$13.72M (deposit + AVD stamp duty HK$1,317,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,972
−HK$6,207/mo
▼ 0.25% · 3.875%
HK$102,051
−HK$3,128/mo
Today · 4.125%
HK$105,179
baseline
▲ 0.50% · 4.625%
HK$111,578
+HK$6,399/mo
Deposit HK$9.30M · loan HK$21.70M · min. income ≈ HK$210,358/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$1,317,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,105
−HK$5,949/mo
▼ 0.25% · 3.875%
HK$113,058
−HK$2,996/mo
Today · 4.125%
HK$116,054
baseline
▲ 0.50% · 4.625%
HK$122,172
+HK$6,118/mo
Deposit HK$9.30M · loan HK$21.70M · min. income ≈ HK$232,108/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$1,317,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,250
−HK$7,980/mo
▼ 0.25% · 3.875%
HK$131,208
−HK$4,022/mo
Today · 4.125%
HK$135,230
baseline
▲ 0.50% · 4.625%
HK$143,458
+HK$8,228/mo
Deposit HK$3.10M · loan HK$27.90M · min. income ≈ HK$270,460/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$1,317,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,564
−HK$7,648/mo
▼ 0.25% · 3.875%
HK$145,361
−HK$3,851/mo
Today · 4.125%
HK$149,212
baseline
▲ 0.50% · 4.625%
HK$157,078
+HK$7,866/mo
Deposit HK$3.10M · loan HK$27.90M · min. income ≈ HK$298,424/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$1,317,620 · Scale 2, in force from 26 Feb 2026)