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$68,499
−HK$4,295/mo
▼ 0.25% · 3.875%
HK$70,629
−HK$2,165/mo
Today · 4.125%
HK$72,794
baseline
▲ 0.50% · 4.625%
HK$77,223
+HK$4,429/mo
Deposit HK$15.02M · loan HK$15.02M · min. income ≈ HK$145,588/mo (50% DSR)
Upfront cash ≈ HK$16.30M (deposit + AVD stamp duty HK$1,276,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,204
−HK$4,117/mo
▼ 0.25% · 3.875%
HK$78,248
−HK$2,073/mo
Today · 4.125%
HK$80,321
baseline
▲ 0.50% · 4.625%
HK$84,555
+HK$4,234/mo
Deposit HK$15.02M · loan HK$15.02M · min. income ≈ HK$160,642/mo (50% DSR)
Upfront cash ≈ HK$16.30M (deposit + AVD stamp duty HK$1,276,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,198
−HK$5,155/mo
▼ 0.25% · 3.875%
HK$84,755
−HK$2,598/mo
Today · 4.125%
HK$87,353
baseline
▲ 0.50% · 4.625%
HK$92,668
+HK$5,315/mo
Deposit HK$12.02M · loan HK$18.02M · min. income ≈ HK$174,706/mo (50% DSR)
Upfront cash ≈ HK$13.29M (deposit + AVD stamp duty HK$1,276,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,445
−HK$4,940/mo
▼ 0.25% · 3.875%
HK$93,897
−HK$2,488/mo
Today · 4.125%
HK$96,385
baseline
▲ 0.50% · 4.625%
HK$101,466
+HK$5,081/mo
Deposit HK$12.02M · loan HK$18.02M · min. income ≈ HK$192,770/mo (50% DSR)
Upfront cash ≈ HK$13.29M (deposit + AVD stamp duty HK$1,276,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,898
−HK$6,014/mo
▼ 0.25% · 3.875%
HK$98,881
−HK$3,031/mo
Today · 4.125%
HK$101,912
baseline
▲ 0.50% · 4.625%
HK$108,113
+HK$6,201/mo
Deposit HK$9.01M · loan HK$21.03M · min. income ≈ HK$203,824/mo (50% DSR)
Upfront cash ≈ HK$10.29M (deposit + AVD stamp duty HK$1,276,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,686
−HK$5,764/mo
▼ 0.25% · 3.875%
HK$109,547
−HK$2,903/mo
Today · 4.125%
HK$112,450
baseline
▲ 0.50% · 4.625%
HK$118,377
+HK$5,927/mo
Deposit HK$9.01M · loan HK$21.03M · min. income ≈ HK$224,900/mo (50% DSR)
Upfront cash ≈ HK$10.29M (deposit + AVD stamp duty HK$1,276,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,298
−HK$7,731/mo
▼ 0.25% · 3.875%
HK$127,133
−HK$3,896/mo
Today · 4.125%
HK$131,029
baseline
▲ 0.50% · 4.625%
HK$139,002
+HK$7,973/mo
Deposit HK$3.00M · loan HK$27.04M · min. income ≈ HK$262,058/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$1,276,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,167
−HK$7,411/mo
▼ 0.25% · 3.875%
HK$140,846
−HK$3,732/mo
Today · 4.125%
HK$144,578
baseline
▲ 0.50% · 4.625%
HK$152,199
+HK$7,621/mo
Deposit HK$3.00M · loan HK$27.04M · min. income ≈ HK$289,156/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$1,276,696 · Scale 2, in force from 26 Feb 2026)