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$70,598
−HK$4,428/mo
▼ 0.25% · 3.875%
HK$72,794
−HK$2,232/mo
Today · 4.125%
HK$75,026
baseline
▲ 0.50% · 4.625%
HK$79,591
+HK$4,565/mo
Deposit HK$15.48M · loan HK$15.48M · min. income ≈ HK$150,052/mo (50% DSR)
Upfront cash ≈ HK$16.80M (deposit + AVD stamp duty HK$1,315,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,540
−HK$4,243/mo
▼ 0.25% · 3.875%
HK$80,646
−HK$2,137/mo
Today · 4.125%
HK$82,783
baseline
▲ 0.50% · 4.625%
HK$87,147
+HK$4,364/mo
Deposit HK$15.48M · loan HK$15.48M · min. income ≈ HK$165,566/mo (50% DSR)
Upfront cash ≈ HK$16.80M (deposit + AVD stamp duty HK$1,315,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,718
−HK$5,313/mo
▼ 0.25% · 3.875%
HK$87,353
−HK$2,678/mo
Today · 4.125%
HK$90,031
baseline
▲ 0.50% · 4.625%
HK$95,509
+HK$5,478/mo
Deposit HK$12.38M · loan HK$18.58M · min. income ≈ HK$180,062/mo (50% DSR)
Upfront cash ≈ HK$13.70M (deposit + AVD stamp duty HK$1,315,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,248
−HK$5,092/mo
▼ 0.25% · 3.875%
HK$96,776
−HK$2,564/mo
Today · 4.125%
HK$99,340
baseline
▲ 0.50% · 4.625%
HK$104,576
+HK$5,236/mo
Deposit HK$12.38M · loan HK$18.58M · min. income ≈ HK$198,680/mo (50% DSR)
Upfront cash ≈ HK$13.70M (deposit + AVD stamp duty HK$1,315,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,838
−HK$6,198/mo
▼ 0.25% · 3.875%
HK$101,912
−HK$3,124/mo
Today · 4.125%
HK$105,036
baseline
▲ 0.50% · 4.625%
HK$111,427
+HK$6,391/mo
Deposit HK$9.29M · loan HK$21.67M · min. income ≈ HK$210,072/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$1,315,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,956
−HK$5,941/mo
▼ 0.25% · 3.875%
HK$112,905
−HK$2,992/mo
Today · 4.125%
HK$115,897
baseline
▲ 0.50% · 4.625%
HK$122,006
+HK$6,109/mo
Deposit HK$9.29M · loan HK$21.67M · min. income ≈ HK$231,794/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$1,315,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,077
−HK$7,969/mo
▼ 0.25% · 3.875%
HK$131,030
−HK$4,016/mo
Today · 4.125%
HK$135,046
baseline
▲ 0.50% · 4.625%
HK$143,263
+HK$8,217/mo
Deposit HK$3.10M · loan HK$27.86M · min. income ≈ HK$270,092/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,315,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,372
−HK$7,638/mo
▼ 0.25% · 3.875%
HK$145,164
−HK$3,846/mo
Today · 4.125%
HK$149,010
baseline
▲ 0.50% · 4.625%
HK$156,865
+HK$7,855/mo
Deposit HK$3.10M · loan HK$27.86M · min. income ≈ HK$298,020/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,315,833 · Scale 2, in force from 26 Feb 2026)