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$71,345
−HK$4,474/mo
▼ 0.25% · 3.875%
HK$73,565
−HK$2,254/mo
Today · 4.125%
HK$75,819
baseline
▲ 0.50% · 4.625%
HK$80,433
+HK$4,614/mo
Deposit HK$15.64M · loan HK$15.64M · min. income ≈ HK$151,638/mo (50% DSR)
Upfront cash ≈ HK$16.97M (deposit + AVD stamp duty HK$1,329,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,371
−HK$4,288/mo
▼ 0.25% · 3.875%
HK$81,500
−HK$2,159/mo
Today · 4.125%
HK$83,659
baseline
▲ 0.50% · 4.625%
HK$88,069
+HK$4,410/mo
Deposit HK$15.64M · loan HK$15.64M · min. income ≈ HK$167,318/mo (50% DSR)
Upfront cash ≈ HK$16.97M (deposit + AVD stamp duty HK$1,329,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,615
−HK$5,368/mo
▼ 0.25% · 3.875%
HK$88,278
−HK$2,705/mo
Today · 4.125%
HK$90,983
baseline
▲ 0.50% · 4.625%
HK$96,519
+HK$5,536/mo
Deposit HK$12.52M · loan HK$18.77M · min. income ≈ HK$181,966/mo (50% DSR)
Upfront cash ≈ HK$13.85M (deposit + AVD stamp duty HK$1,329,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,245
−HK$5,146/mo
▼ 0.25% · 3.875%
HK$97,800
−HK$2,591/mo
Today · 4.125%
HK$100,391
baseline
▲ 0.50% · 4.625%
HK$105,683
+HK$5,292/mo
Deposit HK$12.52M · loan HK$18.77M · min. income ≈ HK$200,782/mo (50% DSR)
Upfront cash ≈ HK$13.85M (deposit + AVD stamp duty HK$1,329,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,884
−HK$6,263/mo
▼ 0.25% · 3.875%
HK$102,991
−HK$3,156/mo
Today · 4.125%
HK$106,147
baseline
▲ 0.50% · 4.625%
HK$112,606
+HK$6,459/mo
Deposit HK$9.39M · loan HK$21.90M · min. income ≈ HK$212,294/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$1,329,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,120
−HK$6,003/mo
▼ 0.25% · 3.875%
HK$114,100
−HK$3,023/mo
Today · 4.125%
HK$117,123
baseline
▲ 0.50% · 4.625%
HK$123,297
+HK$6,174/mo
Deposit HK$9.39M · loan HK$21.90M · min. income ≈ HK$234,246/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$1,329,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,422
−HK$8,053/mo
▼ 0.25% · 3.875%
HK$132,416
−HK$4,059/mo
Today · 4.125%
HK$136,475
baseline
▲ 0.50% · 4.625%
HK$144,779
+HK$8,304/mo
Deposit HK$3.13M · loan HK$28.16M · min. income ≈ HK$272,950/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$1,329,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,868
−HK$7,719/mo
▼ 0.25% · 3.875%
HK$146,700
−HK$3,887/mo
Today · 4.125%
HK$150,587
baseline
▲ 0.50% · 4.625%
HK$158,524
+HK$7,937/mo
Deposit HK$3.13M · loan HK$28.16M · min. income ≈ HK$301,174/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$1,329,755 · Scale 2, in force from 26 Feb 2026)