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$73,493
−HK$4,609/mo
▼ 0.25% · 3.875%
HK$75,779
−HK$2,323/mo
Today · 4.125%
HK$78,102
baseline
▲ 0.50% · 4.625%
HK$82,854
+HK$4,752/mo
Deposit HK$16.12M · loan HK$16.12M · min. income ≈ HK$156,204/mo (50% DSR)
Upfront cash ≈ HK$17.48M (deposit + AVD stamp duty HK$1,369,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,760
−HK$4,418/mo
▼ 0.25% · 3.875%
HK$83,953
−HK$2,225/mo
Today · 4.125%
HK$86,178
baseline
▲ 0.50% · 4.625%
HK$90,720
+HK$4,542/mo
Deposit HK$16.12M · loan HK$16.12M · min. income ≈ HK$172,356/mo (50% DSR)
Upfront cash ≈ HK$17.48M (deposit + AVD stamp duty HK$1,369,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,192
−HK$5,530/mo
▼ 0.25% · 3.875%
HK$90,935
−HK$2,787/mo
Today · 4.125%
HK$93,722
baseline
▲ 0.50% · 4.625%
HK$99,425
+HK$5,703/mo
Deposit HK$12.89M · loan HK$19.34M · min. income ≈ HK$187,444/mo (50% DSR)
Upfront cash ≈ HK$14.26M (deposit + AVD stamp duty HK$1,369,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,112
−HK$5,301/mo
▼ 0.25% · 3.875%
HK$100,744
−HK$2,669/mo
Today · 4.125%
HK$103,413
baseline
▲ 0.50% · 4.625%
HK$108,864
+HK$5,451/mo
Deposit HK$12.89M · loan HK$19.34M · min. income ≈ HK$206,826/mo (50% DSR)
Upfront cash ≈ HK$14.26M (deposit + AVD stamp duty HK$1,369,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,890
−HK$6,452/mo
▼ 0.25% · 3.875%
HK$106,091
−HK$3,251/mo
Today · 4.125%
HK$109,342
baseline
▲ 0.50% · 4.625%
HK$115,996
+HK$6,654/mo
Deposit HK$9.67M · loan HK$22.56M · min. income ≈ HK$218,684/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$1,369,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,464
−HK$6,185/mo
▼ 0.25% · 3.875%
HK$117,534
−HK$3,115/mo
Today · 4.125%
HK$120,649
baseline
▲ 0.50% · 4.625%
HK$127,008
+HK$6,359/mo
Deposit HK$9.67M · loan HK$22.56M · min. income ≈ HK$241,298/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$1,369,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,288
−HK$8,295/mo
▼ 0.25% · 3.875%
HK$136,402
−HK$4,181/mo
Today · 4.125%
HK$140,583
baseline
▲ 0.50% · 4.625%
HK$149,137
+HK$8,554/mo
Deposit HK$3.22M · loan HK$29.01M · min. income ≈ HK$281,166/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$1,369,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,169
−HK$7,951/mo
▼ 0.25% · 3.875%
HK$151,116
−HK$4,004/mo
Today · 4.125%
HK$155,120
baseline
▲ 0.50% · 4.625%
HK$163,296
+HK$8,176/mo
Deposit HK$3.22M · loan HK$29.01M · min. income ≈ HK$310,240/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$1,369,783 · Scale 2, in force from 26 Feb 2026)