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$69,556
−HK$4,362/mo
▼ 0.25% · 3.875%
HK$71,720
−HK$2,198/mo
Today · 4.125%
HK$73,918
baseline
▲ 0.50% · 4.625%
HK$78,416
+HK$4,498/mo
Deposit HK$15.25M · loan HK$15.25M · min. income ≈ HK$147,836/mo (50% DSR)
Upfront cash ≈ HK$16.55M (deposit + AVD stamp duty HK$1,296,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,380
−HK$4,181/mo
▼ 0.25% · 3.875%
HK$79,456
−HK$2,105/mo
Today · 4.125%
HK$81,561
baseline
▲ 0.50% · 4.625%
HK$85,860
+HK$4,299/mo
Deposit HK$15.25M · loan HK$15.25M · min. income ≈ HK$163,122/mo (50% DSR)
Upfront cash ≈ HK$16.55M (deposit + AVD stamp duty HK$1,296,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,467
−HK$5,234/mo
▼ 0.25% · 3.875%
HK$86,064
−HK$2,637/mo
Today · 4.125%
HK$88,701
baseline
▲ 0.50% · 4.625%
HK$94,099
+HK$5,398/mo
Deposit HK$12.20M · loan HK$18.30M · min. income ≈ HK$177,402/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,296,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,857
−HK$5,016/mo
▼ 0.25% · 3.875%
HK$95,347
−HK$2,526/mo
Today · 4.125%
HK$97,873
baseline
▲ 0.50% · 4.625%
HK$103,032
+HK$5,159/mo
Deposit HK$12.20M · loan HK$18.30M · min. income ≈ HK$195,746/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,296,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,379
−HK$6,106/mo
▼ 0.25% · 3.875%
HK$100,408
−HK$3,077/mo
Today · 4.125%
HK$103,485
baseline
▲ 0.50% · 4.625%
HK$109,782
+HK$6,297/mo
Deposit HK$9.15M · loan HK$21.35M · min. income ≈ HK$206,970/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$1,296,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,333
−HK$5,852/mo
▼ 0.25% · 3.875%
HK$111,238
−HK$2,947/mo
Today · 4.125%
HK$114,185
baseline
▲ 0.50% · 4.625%
HK$120,204
+HK$6,019/mo
Deposit HK$9.15M · loan HK$21.35M · min. income ≈ HK$228,370/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$1,296,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,201
−HK$7,851/mo
▼ 0.25% · 3.875%
HK$129,095
−HK$3,957/mo
Today · 4.125%
HK$133,052
baseline
▲ 0.50% · 4.625%
HK$141,148
+HK$8,096/mo
Deposit HK$3.05M · loan HK$27.45M · min. income ≈ HK$266,104/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$1,296,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,285
−HK$7,525/mo
▼ 0.25% · 3.875%
HK$143,020
−HK$3,790/mo
Today · 4.125%
HK$146,810
baseline
▲ 0.50% · 4.625%
HK$154,548
+HK$7,738/mo
Deposit HK$3.05M · loan HK$27.45M · min. income ≈ HK$293,620/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$1,296,404 · Scale 2, in force from 26 Feb 2026)