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$71,235
−HK$4,467/mo
▼ 0.25% · 3.875%
HK$73,451
−HK$2,251/mo
Today · 4.125%
HK$75,702
baseline
▲ 0.50% · 4.625%
HK$80,308
+HK$4,606/mo
Deposit HK$15.62M · loan HK$15.62M · min. income ≈ HK$151,404/mo (50% DSR)
Upfront cash ≈ HK$16.95M (deposit + AVD stamp duty HK$1,327,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,248
−HK$4,282/mo
▼ 0.25% · 3.875%
HK$81,373
−HK$2,157/mo
Today · 4.125%
HK$83,530
baseline
▲ 0.50% · 4.625%
HK$87,933
+HK$4,403/mo
Deposit HK$15.62M · loan HK$15.62M · min. income ≈ HK$167,060/mo (50% DSR)
Upfront cash ≈ HK$16.95M (deposit + AVD stamp duty HK$1,327,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,482
−HK$5,360/mo
▼ 0.25% · 3.875%
HK$88,141
−HK$2,701/mo
Today · 4.125%
HK$90,842
baseline
▲ 0.50% · 4.625%
HK$96,370
+HK$5,528/mo
Deposit HK$12.50M · loan HK$18.74M · min. income ≈ HK$181,684/mo (50% DSR)
Upfront cash ≈ HK$13.82M (deposit + AVD stamp duty HK$1,327,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,098
−HK$5,138/mo
▼ 0.25% · 3.875%
HK$97,648
−HK$2,588/mo
Today · 4.125%
HK$100,236
baseline
▲ 0.50% · 4.625%
HK$105,519
+HK$5,283/mo
Deposit HK$12.50M · loan HK$18.74M · min. income ≈ HK$200,472/mo (50% DSR)
Upfront cash ≈ HK$13.82M (deposit + AVD stamp duty HK$1,327,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,729
−HK$6,254/mo
▼ 0.25% · 3.875%
HK$102,831
−HK$3,152/mo
Today · 4.125%
HK$105,983
baseline
▲ 0.50% · 4.625%
HK$112,432
+HK$6,449/mo
Deposit HK$9.37M · loan HK$21.87M · min. income ≈ HK$211,966/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$1,327,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,947
−HK$5,994/mo
▼ 0.25% · 3.875%
HK$113,923
−HK$3,018/mo
Today · 4.125%
HK$116,941
baseline
▲ 0.50% · 4.625%
HK$123,106
+HK$6,165/mo
Deposit HK$9.37M · loan HK$21.87M · min. income ≈ HK$233,882/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$1,327,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,223
−HK$8,041/mo
▼ 0.25% · 3.875%
HK$132,211
−HK$4,053/mo
Today · 4.125%
HK$136,264
baseline
▲ 0.50% · 4.625%
HK$144,555
+HK$8,291/mo
Deposit HK$3.12M · loan HK$28.12M · min. income ≈ HK$272,528/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$1,327,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,647
−HK$7,706/mo
▼ 0.25% · 3.875%
HK$146,472
−HK$3,881/mo
Today · 4.125%
HK$150,353
baseline
▲ 0.50% · 4.625%
HK$158,279
+HK$7,926/mo
Deposit HK$3.12M · loan HK$28.12M · min. income ≈ HK$300,706/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$1,327,695 · Scale 2, in force from 26 Feb 2026)