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$71,123
−HK$4,461/mo
▼ 0.25% · 3.875%
HK$73,336
−HK$2,248/mo
Today · 4.125%
HK$75,584
baseline
▲ 0.50% · 4.625%
HK$80,183
+HK$4,599/mo
Deposit HK$15.60M · loan HK$15.60M · min. income ≈ HK$151,168/mo (50% DSR)
Upfront cash ≈ HK$16.92M (deposit + AVD stamp duty HK$1,325,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,124
−HK$4,275/mo
▼ 0.25% · 3.875%
HK$81,246
−HK$2,153/mo
Today · 4.125%
HK$83,399
baseline
▲ 0.50% · 4.625%
HK$87,795
+HK$4,396/mo
Deposit HK$15.60M · loan HK$15.60M · min. income ≈ HK$166,798/mo (50% DSR)
Upfront cash ≈ HK$16.92M (deposit + AVD stamp duty HK$1,325,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,348
−HK$5,352/mo
▼ 0.25% · 3.875%
HK$88,003
−HK$2,697/mo
Today · 4.125%
HK$90,700
baseline
▲ 0.50% · 4.625%
HK$96,219
+HK$5,519/mo
Deposit HK$12.48M · loan HK$18.71M · min. income ≈ HK$181,400/mo (50% DSR)
Upfront cash ≈ HK$13.80M (deposit + AVD stamp duty HK$1,325,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,949
−HK$5,130/mo
▼ 0.25% · 3.875%
HK$97,495
−HK$2,584/mo
Today · 4.125%
HK$100,079
baseline
▲ 0.50% · 4.625%
HK$105,354
+HK$5,275/mo
Deposit HK$12.48M · loan HK$18.71M · min. income ≈ HK$200,158/mo (50% DSR)
Upfront cash ≈ HK$13.80M (deposit + AVD stamp duty HK$1,325,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,573
−HK$6,244/mo
▼ 0.25% · 3.875%
HK$102,670
−HK$3,147/mo
Today · 4.125%
HK$105,817
baseline
▲ 0.50% · 4.625%
HK$112,256
+HK$6,439/mo
Deposit HK$9.36M · loan HK$21.83M · min. income ≈ HK$211,634/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$1,325,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,774
−HK$5,985/mo
▼ 0.25% · 3.875%
HK$113,745
−HK$3,014/mo
Today · 4.125%
HK$116,759
baseline
▲ 0.50% · 4.625%
HK$122,913
+HK$6,154/mo
Deposit HK$9.36M · loan HK$21.83M · min. income ≈ HK$233,518/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$1,325,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,022
−HK$8,028/mo
▼ 0.25% · 3.875%
HK$132,005
−HK$4,045/mo
Today · 4.125%
HK$136,050
baseline
▲ 0.50% · 4.625%
HK$144,329
+HK$8,279/mo
Deposit HK$3.12M · loan HK$28.07M · min. income ≈ HK$272,100/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$1,325,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,424
−HK$7,694/mo
▼ 0.25% · 3.875%
HK$146,243
−HK$3,875/mo
Today · 4.125%
HK$150,118
baseline
▲ 0.50% · 4.625%
HK$158,031
+HK$7,913/mo
Deposit HK$3.12M · loan HK$28.07M · min. income ≈ HK$300,236/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$1,325,618 · Scale 2, in force from 26 Feb 2026)