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$71,433
−HK$4,480/mo
▼ 0.25% · 3.875%
HK$73,655
−HK$2,258/mo
Today · 4.125%
HK$75,913
baseline
▲ 0.50% · 4.625%
HK$80,532
+HK$4,619/mo
Deposit HK$15.66M · loan HK$15.66M · min. income ≈ HK$151,826/mo (50% DSR)
Upfront cash ≈ HK$16.99M (deposit + AVD stamp duty HK$1,331,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,469
−HK$4,293/mo
▼ 0.25% · 3.875%
HK$81,600
−HK$2,162/mo
Today · 4.125%
HK$83,762
baseline
▲ 0.50% · 4.625%
HK$88,177
+HK$4,415/mo
Deposit HK$15.66M · loan HK$15.66M · min. income ≈ HK$167,524/mo (50% DSR)
Upfront cash ≈ HK$16.99M (deposit + AVD stamp duty HK$1,331,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,720
−HK$5,375/mo
▼ 0.25% · 3.875%
HK$88,386
−HK$2,709/mo
Today · 4.125%
HK$91,095
baseline
▲ 0.50% · 4.625%
HK$96,638
+HK$5,543/mo
Deposit HK$12.53M · loan HK$18.80M · min. income ≈ HK$182,190/mo (50% DSR)
Upfront cash ≈ HK$13.86M (deposit + AVD stamp duty HK$1,331,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,362
−HK$5,152/mo
▼ 0.25% · 3.875%
HK$97,920
−HK$2,594/mo
Today · 4.125%
HK$100,514
baseline
▲ 0.50% · 4.625%
HK$105,813
+HK$5,299/mo
Deposit HK$12.53M · loan HK$18.80M · min. income ≈ HK$201,028/mo (50% DSR)
Upfront cash ≈ HK$13.86M (deposit + AVD stamp duty HK$1,331,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,006
−HK$6,272/mo
▼ 0.25% · 3.875%
HK$103,117
−HK$3,161/mo
Today · 4.125%
HK$106,278
baseline
▲ 0.50% · 4.625%
HK$112,744
+HK$6,466/mo
Deposit HK$9.40M · loan HK$21.93M · min. income ≈ HK$212,556/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$1,331,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,256
−HK$6,011/mo
▼ 0.25% · 3.875%
HK$114,240
−HK$3,027/mo
Today · 4.125%
HK$117,267
baseline
▲ 0.50% · 4.625%
HK$123,448
+HK$6,181/mo
Deposit HK$9.40M · loan HK$21.93M · min. income ≈ HK$234,534/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$1,331,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,579
−HK$8,064/mo
▼ 0.25% · 3.875%
HK$132,579
−HK$4,064/mo
Today · 4.125%
HK$136,643
baseline
▲ 0.50% · 4.625%
HK$144,957
+HK$8,314/mo
Deposit HK$3.13M · loan HK$28.19M · min. income ≈ HK$273,286/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$1,331,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,043
−HK$7,729/mo
▼ 0.25% · 3.875%
HK$146,880
−HK$3,892/mo
Today · 4.125%
HK$150,772
baseline
▲ 0.50% · 4.625%
HK$158,719
+HK$7,947/mo
Deposit HK$3.13M · loan HK$28.19M · min. income ≈ HK$301,544/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$1,331,388 · Scale 2, in force from 26 Feb 2026)