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$72,408
−HK$4,541/mo
▼ 0.25% · 3.875%
HK$74,661
−HK$2,288/mo
Today · 4.125%
HK$76,949
baseline
▲ 0.50% · 4.625%
HK$81,631
+HK$4,682/mo
Deposit HK$15.88M · loan HK$15.88M · min. income ≈ HK$153,898/mo (50% DSR)
Upfront cash ≈ HK$17.23M (deposit + AVD stamp duty HK$1,349,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,553
−HK$4,352/mo
▼ 0.25% · 3.875%
HK$82,714
−HK$2,191/mo
Today · 4.125%
HK$84,905
baseline
▲ 0.50% · 4.625%
HK$89,381
+HK$4,476/mo
Deposit HK$15.88M · loan HK$15.88M · min. income ≈ HK$169,810/mo (50% DSR)
Upfront cash ≈ HK$17.23M (deposit + AVD stamp duty HK$1,349,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,890
−HK$5,449/mo
▼ 0.25% · 3.875%
HK$89,593
−HK$2,746/mo
Today · 4.125%
HK$92,339
baseline
▲ 0.50% · 4.625%
HK$97,957
+HK$5,618/mo
Deposit HK$12.70M · loan HK$19.05M · min. income ≈ HK$184,678/mo (50% DSR)
Upfront cash ≈ HK$14.05M (deposit + AVD stamp duty HK$1,349,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,664
−HK$5,223/mo
▼ 0.25% · 3.875%
HK$99,257
−HK$2,630/mo
Today · 4.125%
HK$101,887
baseline
▲ 0.50% · 4.625%
HK$107,257
+HK$5,370/mo
Deposit HK$12.70M · loan HK$19.05M · min. income ≈ HK$203,774/mo (50% DSR)
Upfront cash ≈ HK$14.05M (deposit + AVD stamp duty HK$1,349,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,372
−HK$6,356/mo
▼ 0.25% · 3.875%
HK$104,525
−HK$3,203/mo
Today · 4.125%
HK$107,728
baseline
▲ 0.50% · 4.625%
HK$114,283
+HK$6,555/mo
Deposit HK$9.53M · loan HK$22.23M · min. income ≈ HK$215,456/mo (50% DSR)
Upfront cash ≈ HK$10.88M (deposit + AVD stamp duty HK$1,349,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,775
−HK$6,093/mo
▼ 0.25% · 3.875%
HK$115,799
−HK$3,069/mo
Today · 4.125%
HK$118,868
baseline
▲ 0.50% · 4.625%
HK$125,133
+HK$6,265/mo
Deposit HK$9.53M · loan HK$22.23M · min. income ≈ HK$237,736/mo (50% DSR)
Upfront cash ≈ HK$10.88M (deposit + AVD stamp duty HK$1,349,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,335
−HK$8,173/mo
▼ 0.25% · 3.875%
HK$134,389
−HK$4,119/mo
Today · 4.125%
HK$138,508
baseline
▲ 0.50% · 4.625%
HK$146,936
+HK$8,428/mo
Deposit HK$3.18M · loan HK$28.58M · min. income ≈ HK$277,016/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$1,349,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,996
−HK$7,834/mo
▼ 0.25% · 3.875%
HK$148,885
−HK$3,945/mo
Today · 4.125%
HK$152,830
baseline
▲ 0.50% · 4.625%
HK$160,886
+HK$8,056/mo
Deposit HK$3.18M · loan HK$28.58M · min. income ≈ HK$305,660/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$1,349,564 · Scale 2, in force from 26 Feb 2026)