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$69,028
−HK$4,329/mo
▼ 0.25% · 3.875%
HK$71,175
−HK$2,182/mo
Today · 4.125%
HK$73,357
baseline
▲ 0.50% · 4.625%
HK$77,820
+HK$4,463/mo
Deposit HK$15.14M · loan HK$15.14M · min. income ≈ HK$146,714/mo (50% DSR)
Upfront cash ≈ HK$16.42M (deposit + AVD stamp duty HK$1,286,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,793
−HK$4,149/mo
▼ 0.25% · 3.875%
HK$78,853
−HK$2,089/mo
Today · 4.125%
HK$80,942
baseline
▲ 0.50% · 4.625%
HK$85,209
+HK$4,267/mo
Deposit HK$15.14M · loan HK$15.14M · min. income ≈ HK$161,884/mo (50% DSR)
Upfront cash ≈ HK$16.42M (deposit + AVD stamp duty HK$1,286,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,834
−HK$5,194/mo
▼ 0.25% · 3.875%
HK$85,410
−HK$2,618/mo
Today · 4.125%
HK$88,028
baseline
▲ 0.50% · 4.625%
HK$93,385
+HK$5,357/mo
Deposit HK$12.11M · loan HK$18.16M · min. income ≈ HK$176,056/mo (50% DSR)
Upfront cash ≈ HK$13.40M (deposit + AVD stamp duty HK$1,286,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,152
−HK$4,978/mo
▼ 0.25% · 3.875%
HK$94,623
−HK$2,507/mo
Today · 4.125%
HK$97,130
baseline
▲ 0.50% · 4.625%
HK$102,250
+HK$5,120/mo
Deposit HK$12.11M · loan HK$18.16M · min. income ≈ HK$194,260/mo (50% DSR)
Upfront cash ≈ HK$13.40M (deposit + AVD stamp duty HK$1,286,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,639
−HK$6,061/mo
▼ 0.25% · 3.875%
HK$99,646
−HK$3,054/mo
Today · 4.125%
HK$102,700
baseline
▲ 0.50% · 4.625%
HK$108,949
+HK$6,249/mo
Deposit HK$9.08M · loan HK$21.19M · min. income ≈ HK$205,400/mo (50% DSR)
Upfront cash ≈ HK$10.37M (deposit + AVD stamp duty HK$1,286,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,510
−HK$5,809/mo
▼ 0.25% · 3.875%
HK$110,394
−HK$2,925/mo
Today · 4.125%
HK$113,319
baseline
▲ 0.50% · 4.625%
HK$119,292
+HK$5,973/mo
Deposit HK$9.08M · loan HK$21.19M · min. income ≈ HK$226,638/mo (50% DSR)
Upfront cash ≈ HK$10.37M (deposit + AVD stamp duty HK$1,286,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,251
−HK$7,791/mo
▼ 0.25% · 3.875%
HK$128,116
−HK$3,926/mo
Today · 4.125%
HK$132,042
baseline
▲ 0.50% · 4.625%
HK$140,077
+HK$8,035/mo
Deposit HK$3.03M · loan HK$27.24M · min. income ≈ HK$264,084/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$1,286,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,228
−HK$7,468/mo
▼ 0.25% · 3.875%
HK$141,935
−HK$3,761/mo
Today · 4.125%
HK$145,696
baseline
▲ 0.50% · 4.625%
HK$153,376
+HK$7,680/mo
Deposit HK$3.03M · loan HK$27.24M · min. income ≈ HK$291,392/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$1,286,566 · Scale 2, in force from 26 Feb 2026)