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$73,056
−HK$4,581/mo
▼ 0.25% · 3.875%
HK$75,328
−HK$2,309/mo
Today · 4.125%
HK$77,637
baseline
▲ 0.50% · 4.625%
HK$82,361
+HK$4,724/mo
Deposit HK$16.02M · loan HK$16.02M · min. income ≈ HK$155,274/mo (50% DSR)
Upfront cash ≈ HK$17.38M (deposit + AVD stamp duty HK$1,361,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,274
−HK$4,391/mo
▼ 0.25% · 3.875%
HK$83,453
−HK$2,212/mo
Today · 4.125%
HK$85,665
baseline
▲ 0.50% · 4.625%
HK$90,180
+HK$4,515/mo
Deposit HK$16.02M · loan HK$16.02M · min. income ≈ HK$171,330/mo (50% DSR)
Upfront cash ≈ HK$17.38M (deposit + AVD stamp duty HK$1,361,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,667
−HK$5,497/mo
▼ 0.25% · 3.875%
HK$90,394
−HK$2,770/mo
Today · 4.125%
HK$93,164
baseline
▲ 0.50% · 4.625%
HK$98,833
+HK$5,669/mo
Deposit HK$12.82M · loan HK$19.22M · min. income ≈ HK$186,328/mo (50% DSR)
Upfront cash ≈ HK$14.18M (deposit + AVD stamp duty HK$1,361,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,528
−HK$5,269/mo
▼ 0.25% · 3.875%
HK$100,144
−HK$2,653/mo
Today · 4.125%
HK$102,797
baseline
▲ 0.50% · 4.625%
HK$108,216
+HK$5,419/mo
Deposit HK$12.82M · loan HK$19.22M · min. income ≈ HK$205,594/mo (50% DSR)
Upfront cash ≈ HK$14.18M (deposit + AVD stamp duty HK$1,361,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,278
−HK$6,413/mo
▼ 0.25% · 3.875%
HK$105,459
−HK$3,232/mo
Today · 4.125%
HK$108,691
baseline
▲ 0.50% · 4.625%
HK$115,305
+HK$6,614/mo
Deposit HK$9.61M · loan HK$22.43M · min. income ≈ HK$217,382/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$1,361,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,783
−HK$6,147/mo
▼ 0.25% · 3.875%
HK$116,835
−HK$3,095/mo
Today · 4.125%
HK$119,930
baseline
▲ 0.50% · 4.625%
HK$126,252
+HK$6,322/mo
Deposit HK$9.61M · loan HK$22.43M · min. income ≈ HK$239,860/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$1,361,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,500
−HK$8,246/mo
▼ 0.25% · 3.875%
HK$135,590
−HK$4,156/mo
Today · 4.125%
HK$139,746
baseline
▲ 0.50% · 4.625%
HK$148,249
+HK$8,503/mo
Deposit HK$3.20M · loan HK$28.83M · min. income ≈ HK$279,492/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$1,361,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,292
−HK$7,904/mo
▼ 0.25% · 3.875%
HK$150,216
−HK$3,980/mo
Today · 4.125%
HK$154,196
baseline
▲ 0.50% · 4.625%
HK$162,324
+HK$8,128/mo
Deposit HK$3.20M · loan HK$28.83M · min. income ≈ HK$308,392/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$1,361,628 · Scale 2, in force from 26 Feb 2026)