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$69,748
−HK$4,373/mo
▼ 0.25% · 3.875%
HK$71,917
−HK$2,204/mo
Today · 4.125%
HK$74,121
baseline
▲ 0.50% · 4.625%
HK$78,632
+HK$4,511/mo
Deposit HK$15.29M · loan HK$15.29M · min. income ≈ HK$148,242/mo (50% DSR)
Upfront cash ≈ HK$16.59M (deposit + AVD stamp duty HK$1,299,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,594
−HK$4,192/mo
▼ 0.25% · 3.875%
HK$79,675
−HK$2,111/mo
Today · 4.125%
HK$81,786
baseline
▲ 0.50% · 4.625%
HK$86,097
+HK$4,311/mo
Deposit HK$15.29M · loan HK$15.29M · min. income ≈ HK$163,572/mo (50% DSR)
Upfront cash ≈ HK$16.59M (deposit + AVD stamp duty HK$1,299,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,697
−HK$5,249/mo
▼ 0.25% · 3.875%
HK$86,301
−HK$2,645/mo
Today · 4.125%
HK$88,946
baseline
▲ 0.50% · 4.625%
HK$94,358
+HK$5,412/mo
Deposit HK$12.24M · loan HK$18.35M · min. income ≈ HK$177,892/mo (50% DSR)
Upfront cash ≈ HK$13.54M (deposit + AVD stamp duty HK$1,299,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,112
−HK$5,031/mo
▼ 0.25% · 3.875%
HK$95,610
−HK$2,533/mo
Today · 4.125%
HK$98,143
baseline
▲ 0.50% · 4.625%
HK$103,316
+HK$5,173/mo
Deposit HK$12.24M · loan HK$18.35M · min. income ≈ HK$196,286/mo (50% DSR)
Upfront cash ≈ HK$13.54M (deposit + AVD stamp duty HK$1,299,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,647
−HK$6,123/mo
▼ 0.25% · 3.875%
HK$100,684
−HK$3,086/mo
Today · 4.125%
HK$103,770
baseline
▲ 0.50% · 4.625%
HK$110,084
+HK$6,314/mo
Deposit HK$9.18M · loan HK$21.41M · min. income ≈ HK$207,540/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$1,299,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,631
−HK$5,869/mo
▼ 0.25% · 3.875%
HK$111,544
−HK$2,956/mo
Today · 4.125%
HK$114,500
baseline
▲ 0.50% · 4.625%
HK$120,536
+HK$6,036/mo
Deposit HK$9.18M · loan HK$21.41M · min. income ≈ HK$229,000/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$1,299,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,546
−HK$7,873/mo
▼ 0.25% · 3.875%
HK$129,451
−HK$3,968/mo
Today · 4.125%
HK$133,419
baseline
▲ 0.50% · 4.625%
HK$141,537
+HK$8,118/mo
Deposit HK$3.06M · loan HK$27.53M · min. income ≈ HK$266,838/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,299,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,669
−HK$7,545/mo
▼ 0.25% · 3.875%
HK$143,414
−HK$3,800/mo
Today · 4.125%
HK$147,214
baseline
▲ 0.50% · 4.625%
HK$154,974
+HK$7,760/mo
Deposit HK$3.06M · loan HK$27.53M · min. income ≈ HK$294,428/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,299,976 · Scale 2, in force from 26 Feb 2026)