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$71,663
−HK$4,494/mo
▼ 0.25% · 3.875%
HK$73,892
−HK$2,265/mo
Today · 4.125%
HK$76,157
baseline
▲ 0.50% · 4.625%
HK$80,791
+HK$4,634/mo
Deposit HK$15.71M · loan HK$15.71M · min. income ≈ HK$152,314/mo (50% DSR)
Upfront cash ≈ HK$17.05M (deposit + AVD stamp duty HK$1,335,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,724
−HK$4,308/mo
▼ 0.25% · 3.875%
HK$81,863
−HK$2,169/mo
Today · 4.125%
HK$84,032
baseline
▲ 0.50% · 4.625%
HK$88,461
+HK$4,429/mo
Deposit HK$15.71M · loan HK$15.71M · min. income ≈ HK$168,064/mo (50% DSR)
Upfront cash ≈ HK$17.05M (deposit + AVD stamp duty HK$1,335,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,996
−HK$5,392/mo
▼ 0.25% · 3.875%
HK$88,671
−HK$2,717/mo
Today · 4.125%
HK$91,388
baseline
▲ 0.50% · 4.625%
HK$96,949
+HK$5,561/mo
Deposit HK$12.57M · loan HK$18.86M · min. income ≈ HK$182,776/mo (50% DSR)
Upfront cash ≈ HK$13.91M (deposit + AVD stamp duty HK$1,335,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,669
−HK$5,169/mo
▼ 0.25% · 3.875%
HK$98,235
−HK$2,603/mo
Today · 4.125%
HK$100,838
baseline
▲ 0.50% · 4.625%
HK$106,153
+HK$5,315/mo
Deposit HK$12.57M · loan HK$18.86M · min. income ≈ HK$201,676/mo (50% DSR)
Upfront cash ≈ HK$13.91M (deposit + AVD stamp duty HK$1,335,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,328
−HK$6,292/mo
▼ 0.25% · 3.875%
HK$103,449
−HK$3,171/mo
Today · 4.125%
HK$106,620
baseline
▲ 0.50% · 4.625%
HK$113,107
+HK$6,487/mo
Deposit HK$9.43M · loan HK$22.00M · min. income ≈ HK$213,240/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$1,335,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,614
−HK$6,030/mo
▼ 0.25% · 3.875%
HK$114,608
−HK$3,036/mo
Today · 4.125%
HK$117,644
baseline
▲ 0.50% · 4.625%
HK$123,846
+HK$6,202/mo
Deposit HK$9.43M · loan HK$22.00M · min. income ≈ HK$235,288/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$1,335,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,994
−HK$8,089/mo
▼ 0.25% · 3.875%
HK$133,006
−HK$4,077/mo
Today · 4.125%
HK$137,083
baseline
▲ 0.50% · 4.625%
HK$145,424
+HK$8,341/mo
Deposit HK$3.14M · loan HK$28.28M · min. income ≈ HK$274,166/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$1,335,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,504
−HK$7,753/mo
▼ 0.25% · 3.875%
HK$147,353
−HK$3,904/mo
Today · 4.125%
HK$151,257
baseline
▲ 0.50% · 4.625%
HK$159,230
+HK$7,973/mo
Deposit HK$3.14M · loan HK$28.28M · min. income ≈ HK$302,514/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$1,335,676 · Scale 2, in force from 26 Feb 2026)