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$69,738
−HK$4,374/mo
▼ 0.25% · 3.875%
HK$71,908
−HK$2,204/mo
Today · 4.125%
HK$74,112
baseline
▲ 0.50% · 4.625%
HK$78,621
+HK$4,509/mo
Deposit HK$15.29M · loan HK$15.29M · min. income ≈ HK$148,224/mo (50% DSR)
Upfront cash ≈ HK$16.59M (deposit + AVD stamp duty HK$1,299,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,583
−HK$4,192/mo
▼ 0.25% · 3.875%
HK$79,664
−HK$2,111/mo
Today · 4.125%
HK$81,775
baseline
▲ 0.50% · 4.625%
HK$86,085
+HK$4,310/mo
Deposit HK$15.29M · loan HK$15.29M · min. income ≈ HK$163,550/mo (50% DSR)
Upfront cash ≈ HK$16.59M (deposit + AVD stamp duty HK$1,299,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,686
−HK$5,248/mo
▼ 0.25% · 3.875%
HK$86,289
−HK$2,645/mo
Today · 4.125%
HK$88,934
baseline
▲ 0.50% · 4.625%
HK$94,345
+HK$5,411/mo
Deposit HK$12.23M · loan HK$18.35M · min. income ≈ HK$177,868/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,299,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,100
−HK$5,030/mo
▼ 0.25% · 3.875%
HK$95,597
−HK$2,533/mo
Today · 4.125%
HK$98,130
baseline
▲ 0.50% · 4.625%
HK$103,302
+HK$5,172/mo
Deposit HK$12.23M · loan HK$18.35M · min. income ≈ HK$196,260/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,299,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,634
−HK$6,122/mo
▼ 0.25% · 3.875%
HK$100,671
−HK$3,085/mo
Today · 4.125%
HK$103,756
baseline
▲ 0.50% · 4.625%
HK$110,070
+HK$6,314/mo
Deposit HK$9.18M · loan HK$21.41M · min. income ≈ HK$207,512/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$1,299,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,617
−HK$5,868/mo
▼ 0.25% · 3.875%
HK$111,530
−HK$2,955/mo
Today · 4.125%
HK$114,485
baseline
▲ 0.50% · 4.625%
HK$120,519
+HK$6,034/mo
Deposit HK$9.18M · loan HK$21.41M · min. income ≈ HK$228,970/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$1,299,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,529
−HK$7,872/mo
▼ 0.25% · 3.875%
HK$129,434
−HK$3,967/mo
Today · 4.125%
HK$133,401
baseline
▲ 0.50% · 4.625%
HK$141,518
+HK$8,117/mo
Deposit HK$3.06M · loan HK$27.53M · min. income ≈ HK$266,802/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,299,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,650
−HK$7,545/mo
▼ 0.25% · 3.875%
HK$143,395
−HK$3,800/mo
Today · 4.125%
HK$147,195
baseline
▲ 0.50% · 4.625%
HK$154,954
+HK$7,759/mo
Deposit HK$3.06M · loan HK$27.53M · min. income ≈ HK$294,390/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,299,803 · Scale 2, in force from 26 Feb 2026)