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$71,339
−HK$4,473/mo
▼ 0.25% · 3.875%
HK$73,558
−HK$2,254/mo
Today · 4.125%
HK$75,812
baseline
▲ 0.50% · 4.625%
HK$80,425
+HK$4,613/mo
Deposit HK$15.64M · loan HK$15.64M · min. income ≈ HK$151,624/mo (50% DSR)
Upfront cash ≈ HK$16.97M (deposit + AVD stamp duty HK$1,329,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,364
−HK$4,288/mo
▼ 0.25% · 3.875%
HK$81,492
−HK$2,160/mo
Today · 4.125%
HK$83,652
baseline
▲ 0.50% · 4.625%
HK$88,061
+HK$4,409/mo
Deposit HK$15.64M · loan HK$15.64M · min. income ≈ HK$167,304/mo (50% DSR)
Upfront cash ≈ HK$16.97M (deposit + AVD stamp duty HK$1,329,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,607
−HK$5,368/mo
▼ 0.25% · 3.875%
HK$88,270
−HK$2,705/mo
Today · 4.125%
HK$90,975
baseline
▲ 0.50% · 4.625%
HK$96,511
+HK$5,536/mo
Deposit HK$12.51M · loan HK$18.77M · min. income ≈ HK$181,950/mo (50% DSR)
Upfront cash ≈ HK$13.84M (deposit + AVD stamp duty HK$1,329,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,237
−HK$5,145/mo
▼ 0.25% · 3.875%
HK$97,791
−HK$2,591/mo
Today · 4.125%
HK$100,382
baseline
▲ 0.50% · 4.625%
HK$105,673
+HK$5,291/mo
Deposit HK$12.51M · loan HK$18.77M · min. income ≈ HK$200,764/mo (50% DSR)
Upfront cash ≈ HK$13.84M (deposit + AVD stamp duty HK$1,329,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,874
−HK$6,263/mo
▼ 0.25% · 3.875%
HK$102,981
−HK$3,156/mo
Today · 4.125%
HK$106,137
baseline
▲ 0.50% · 4.625%
HK$112,596
+HK$6,459/mo
Deposit HK$9.39M · loan HK$21.90M · min. income ≈ HK$212,274/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$1,329,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,109
−HK$6,003/mo
▼ 0.25% · 3.875%
HK$114,089
−HK$3,023/mo
Today · 4.125%
HK$117,112
baseline
▲ 0.50% · 4.625%
HK$123,285
+HK$6,173/mo
Deposit HK$9.39M · loan HK$21.90M · min. income ≈ HK$234,224/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$1,329,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,410
−HK$8,052/mo
▼ 0.25% · 3.875%
HK$132,404
−HK$4,058/mo
Today · 4.125%
HK$136,462
baseline
▲ 0.50% · 4.625%
HK$144,766
+HK$8,304/mo
Deposit HK$3.13M · loan HK$28.16M · min. income ≈ HK$272,924/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$1,329,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,855
−HK$7,718/mo
▼ 0.25% · 3.875%
HK$146,686
−HK$3,887/mo
Today · 4.125%
HK$150,573
baseline
▲ 0.50% · 4.625%
HK$158,510
+HK$7,937/mo
Deposit HK$3.13M · loan HK$28.16M · min. income ≈ HK$301,146/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$1,329,633 · Scale 2, in force from 26 Feb 2026)