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$72,234
−HK$4,529/mo
▼ 0.25% · 3.875%
HK$74,480
−HK$2,283/mo
Today · 4.125%
HK$76,763
baseline
▲ 0.50% · 4.625%
HK$81,434
+HK$4,671/mo
Deposit HK$15.84M · loan HK$15.84M · min. income ≈ HK$153,526/mo (50% DSR)
Upfront cash ≈ HK$17.19M (deposit + AVD stamp duty HK$1,346,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,359
−HK$4,342/mo
▼ 0.25% · 3.875%
HK$82,514
−HK$2,187/mo
Today · 4.125%
HK$84,701
baseline
▲ 0.50% · 4.625%
HK$89,165
+HK$4,464/mo
Deposit HK$15.84M · loan HK$15.84M · min. income ≈ HK$169,402/mo (50% DSR)
Upfront cash ≈ HK$17.19M (deposit + AVD stamp duty HK$1,346,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,680
−HK$5,436/mo
▼ 0.25% · 3.875%
HK$89,377
−HK$2,739/mo
Today · 4.125%
HK$92,116
baseline
▲ 0.50% · 4.625%
HK$97,721
+HK$5,605/mo
Deposit HK$12.67M · loan HK$19.01M · min. income ≈ HK$184,232/mo (50% DSR)
Upfront cash ≈ HK$14.02M (deposit + AVD stamp duty HK$1,346,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,431
−HK$5,210/mo
▼ 0.25% · 3.875%
HK$99,017
−HK$2,624/mo
Today · 4.125%
HK$101,641
baseline
▲ 0.50% · 4.625%
HK$106,998
+HK$5,357/mo
Deposit HK$12.67M · loan HK$19.01M · min. income ≈ HK$203,282/mo (50% DSR)
Upfront cash ≈ HK$14.02M (deposit + AVD stamp duty HK$1,346,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,127
−HK$6,342/mo
▼ 0.25% · 3.875%
HK$104,273
−HK$3,196/mo
Today · 4.125%
HK$107,469
baseline
▲ 0.50% · 4.625%
HK$114,008
+HK$6,539/mo
Deposit HK$9.50M · loan HK$22.17M · min. income ≈ HK$214,938/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$1,346,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,503
−HK$6,078/mo
▼ 0.25% · 3.875%
HK$115,520
−HK$3,061/mo
Today · 4.125%
HK$118,581
baseline
▲ 0.50% · 4.625%
HK$124,831
+HK$6,250/mo
Deposit HK$9.50M · loan HK$22.17M · min. income ≈ HK$237,162/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$1,346,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,020
−HK$8,154/mo
▼ 0.25% · 3.875%
HK$134,065
−HK$4,109/mo
Today · 4.125%
HK$138,174
baseline
▲ 0.50% · 4.625%
HK$146,581
+HK$8,407/mo
Deposit HK$3.17M · loan HK$28.51M · min. income ≈ HK$276,348/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$1,346,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,646
−HK$7,815/mo
▼ 0.25% · 3.875%
HK$148,526
−HK$3,935/mo
Today · 4.125%
HK$152,461
baseline
▲ 0.50% · 4.625%
HK$160,498
+HK$8,037/mo
Deposit HK$3.17M · loan HK$28.51M · min. income ≈ HK$304,922/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$1,346,308 · Scale 2, in force from 26 Feb 2026)