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$71,315
−HK$4,472/mo
▼ 0.25% · 3.875%
HK$73,533
−HK$2,254/mo
Today · 4.125%
HK$75,787
baseline
▲ 0.50% · 4.625%
HK$80,398
+HK$4,611/mo
Deposit HK$15.64M · loan HK$15.64M · min. income ≈ HK$151,574/mo (50% DSR)
Upfront cash ≈ HK$16.97M (deposit + AVD stamp duty HK$1,329,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,337
−HK$4,286/mo
▼ 0.25% · 3.875%
HK$81,464
−HK$2,159/mo
Today · 4.125%
HK$83,623
baseline
▲ 0.50% · 4.625%
HK$88,031
+HK$4,408/mo
Deposit HK$15.64M · loan HK$15.64M · min. income ≈ HK$167,246/mo (50% DSR)
Upfront cash ≈ HK$16.97M (deposit + AVD stamp duty HK$1,329,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,577
−HK$5,367/mo
▼ 0.25% · 3.875%
HK$88,239
−HK$2,705/mo
Today · 4.125%
HK$90,944
baseline
▲ 0.50% · 4.625%
HK$96,478
+HK$5,534/mo
Deposit HK$12.51M · loan HK$18.76M · min. income ≈ HK$181,888/mo (50% DSR)
Upfront cash ≈ HK$13.84M (deposit + AVD stamp duty HK$1,329,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,204
−HK$5,144/mo
▼ 0.25% · 3.875%
HK$97,757
−HK$2,591/mo
Today · 4.125%
HK$100,348
baseline
▲ 0.50% · 4.625%
HK$105,637
+HK$5,289/mo
Deposit HK$12.51M · loan HK$18.76M · min. income ≈ HK$200,696/mo (50% DSR)
Upfront cash ≈ HK$13.84M (deposit + AVD stamp duty HK$1,329,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,840
−HK$6,261/mo
▼ 0.25% · 3.875%
HK$102,946
−HK$3,155/mo
Today · 4.125%
HK$106,101
baseline
▲ 0.50% · 4.625%
HK$112,557
+HK$6,456/mo
Deposit HK$9.38M · loan HK$21.89M · min. income ≈ HK$212,202/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$1,329,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,071
−HK$6,001/mo
▼ 0.25% · 3.875%
HK$114,050
−HK$3,022/mo
Today · 4.125%
HK$117,072
baseline
▲ 0.50% · 4.625%
HK$123,243
+HK$6,171/mo
Deposit HK$9.38M · loan HK$21.89M · min. income ≈ HK$234,144/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$1,329,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,366
−HK$8,050/mo
▼ 0.25% · 3.875%
HK$132,359
−HK$4,057/mo
Today · 4.125%
HK$136,416
baseline
▲ 0.50% · 4.625%
HK$144,716
+HK$8,300/mo
Deposit HK$3.13M · loan HK$28.15M · min. income ≈ HK$272,832/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$1,329,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,806
−HK$7,715/mo
▼ 0.25% · 3.875%
HK$146,636
−HK$3,885/mo
Today · 4.125%
HK$150,521
baseline
▲ 0.50% · 4.625%
HK$158,456
+HK$7,935/mo
Deposit HK$3.13M · loan HK$28.15M · min. income ≈ HK$301,042/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$1,329,179 · Scale 2, in force from 26 Feb 2026)