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$70,242
−HK$4,405/mo
▼ 0.25% · 3.875%
HK$72,427
−HK$2,220/mo
Today · 4.125%
HK$74,647
baseline
▲ 0.50% · 4.625%
HK$79,189
+HK$4,542/mo
Deposit HK$15.40M · loan HK$15.40M · min. income ≈ HK$149,294/mo (50% DSR)
Upfront cash ≈ HK$16.71M (deposit + AVD stamp duty HK$1,309,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,144
−HK$4,222/mo
▼ 0.25% · 3.875%
HK$80,239
−HK$2,127/mo
Today · 4.125%
HK$82,366
baseline
▲ 0.50% · 4.625%
HK$86,707
+HK$4,341/mo
Deposit HK$15.40M · loan HK$15.40M · min. income ≈ HK$164,732/mo (50% DSR)
Upfront cash ≈ HK$16.71M (deposit + AVD stamp duty HK$1,309,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,291
−HK$5,285/mo
▼ 0.25% · 3.875%
HK$86,913
−HK$2,663/mo
Today · 4.125%
HK$89,576
baseline
▲ 0.50% · 4.625%
HK$95,027
+HK$5,451/mo
Deposit HK$12.32M · loan HK$18.48M · min. income ≈ HK$179,152/mo (50% DSR)
Upfront cash ≈ HK$13.63M (deposit + AVD stamp duty HK$1,309,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,772
−HK$5,067/mo
▼ 0.25% · 3.875%
HK$96,287
−HK$2,552/mo
Today · 4.125%
HK$98,839
baseline
▲ 0.50% · 4.625%
HK$104,049
+HK$5,210/mo
Deposit HK$12.32M · loan HK$18.48M · min. income ≈ HK$197,678/mo (50% DSR)
Upfront cash ≈ HK$13.63M (deposit + AVD stamp duty HK$1,309,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,339
−HK$6,167/mo
▼ 0.25% · 3.875%
HK$101,398
−HK$3,108/mo
Today · 4.125%
HK$104,506
baseline
▲ 0.50% · 4.625%
HK$110,865
+HK$6,359/mo
Deposit HK$9.24M · loan HK$21.56M · min. income ≈ HK$209,012/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$1,309,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,401
−HK$5,911/mo
▼ 0.25% · 3.875%
HK$112,335
−HK$2,977/mo
Today · 4.125%
HK$115,312
baseline
▲ 0.50% · 4.625%
HK$121,390
+HK$6,078/mo
Deposit HK$9.24M · loan HK$21.56M · min. income ≈ HK$230,624/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$1,309,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,436
−HK$7,929/mo
▼ 0.25% · 3.875%
HK$130,369
−HK$3,996/mo
Today · 4.125%
HK$134,365
baseline
▲ 0.50% · 4.625%
HK$142,540
+HK$8,175/mo
Deposit HK$3.08M · loan HK$27.72M · min. income ≈ HK$268,730/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,309,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,659
−HK$7,599/mo
▼ 0.25% · 3.875%
HK$144,431
−HK$3,827/mo
Today · 4.125%
HK$148,258
baseline
▲ 0.50% · 4.625%
HK$156,073
+HK$7,815/mo
Deposit HK$3.08M · loan HK$27.72M · min. income ≈ HK$296,516/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,309,192 · Scale 2, in force from 26 Feb 2026)