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$70,142
−HK$4,399/mo
▼ 0.25% · 3.875%
HK$72,324
−HK$2,217/mo
Today · 4.125%
HK$74,541
baseline
▲ 0.50% · 4.625%
HK$79,077
+HK$4,536/mo
Deposit HK$15.38M · loan HK$15.38M · min. income ≈ HK$149,082/mo (50% DSR)
Upfront cash ≈ HK$16.69M (deposit + AVD stamp duty HK$1,307,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,033
−HK$4,216/mo
▼ 0.25% · 3.875%
HK$80,126
−HK$2,123/mo
Today · 4.125%
HK$82,249
baseline
▲ 0.50% · 4.625%
HK$86,584
+HK$4,335/mo
Deposit HK$15.38M · loan HK$15.38M · min. income ≈ HK$164,498/mo (50% DSR)
Upfront cash ≈ HK$16.69M (deposit + AVD stamp duty HK$1,307,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,171
−HK$5,278/mo
▼ 0.25% · 3.875%
HK$86,789
−HK$2,660/mo
Today · 4.125%
HK$89,449
baseline
▲ 0.50% · 4.625%
HK$94,892
+HK$5,443/mo
Deposit HK$12.30M · loan HK$18.46M · min. income ≈ HK$178,898/mo (50% DSR)
Upfront cash ≈ HK$13.61M (deposit + AVD stamp duty HK$1,307,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,639
−HK$5,059/mo
▼ 0.25% · 3.875%
HK$96,151
−HK$2,547/mo
Today · 4.125%
HK$98,698
baseline
▲ 0.50% · 4.625%
HK$103,901
+HK$5,203/mo
Deposit HK$12.30M · loan HK$18.46M · min. income ≈ HK$197,396/mo (50% DSR)
Upfront cash ≈ HK$13.61M (deposit + AVD stamp duty HK$1,307,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,199
−HK$6,158/mo
▼ 0.25% · 3.875%
HK$101,254
−HK$3,103/mo
Today · 4.125%
HK$104,357
baseline
▲ 0.50% · 4.625%
HK$110,707
+HK$6,350/mo
Deposit HK$9.23M · loan HK$21.53M · min. income ≈ HK$208,714/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$1,307,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,246
−HK$5,902/mo
▼ 0.25% · 3.875%
HK$112,176
−HK$2,972/mo
Today · 4.125%
HK$115,148
baseline
▲ 0.50% · 4.625%
HK$121,218
+HK$6,070/mo
Deposit HK$9.23M · loan HK$21.53M · min. income ≈ HK$230,296/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$1,307,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,256
−HK$7,918/mo
▼ 0.25% · 3.875%
HK$130,184
−HK$3,990/mo
Today · 4.125%
HK$134,174
baseline
▲ 0.50% · 4.625%
HK$142,338
+HK$8,164/mo
Deposit HK$3.08M · loan HK$27.68M · min. income ≈ HK$268,348/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,307,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,459
−HK$7,589/mo
▼ 0.25% · 3.875%
HK$144,226
−HK$3,822/mo
Today · 4.125%
HK$148,048
baseline
▲ 0.50% · 4.625%
HK$155,851
+HK$7,803/mo
Deposit HK$3.08M · loan HK$27.68M · min. income ≈ HK$296,096/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,307,334 · Scale 2, in force from 26 Feb 2026)