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$73,652
−HK$4,619/mo
▼ 0.25% · 3.875%
HK$75,943
−HK$2,328/mo
Today · 4.125%
HK$78,271
baseline
▲ 0.50% · 4.625%
HK$83,033
+HK$4,762/mo
Deposit HK$16.15M · loan HK$16.15M · min. income ≈ HK$156,542/mo (50% DSR)
Upfront cash ≈ HK$17.52M (deposit + AVD stamp duty HK$1,372,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,937
−HK$4,427/mo
▼ 0.25% · 3.875%
HK$84,135
−HK$2,229/mo
Today · 4.125%
HK$86,364
baseline
▲ 0.50% · 4.625%
HK$90,917
+HK$4,553/mo
Deposit HK$16.15M · loan HK$16.15M · min. income ≈ HK$172,728/mo (50% DSR)
Upfront cash ≈ HK$17.52M (deposit + AVD stamp duty HK$1,372,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,383
−HK$5,542/mo
▼ 0.25% · 3.875%
HK$91,132
−HK$2,793/mo
Today · 4.125%
HK$93,925
baseline
▲ 0.50% · 4.625%
HK$99,640
+HK$5,715/mo
Deposit HK$12.92M · loan HK$19.38M · min. income ≈ HK$187,850/mo (50% DSR)
Upfront cash ≈ HK$14.29M (deposit + AVD stamp duty HK$1,372,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,325
−HK$5,312/mo
▼ 0.25% · 3.875%
HK$100,962
−HK$2,675/mo
Today · 4.125%
HK$103,637
baseline
▲ 0.50% · 4.625%
HK$109,100
+HK$5,463/mo
Deposit HK$12.92M · loan HK$19.38M · min. income ≈ HK$207,274/mo (50% DSR)
Upfront cash ≈ HK$14.29M (deposit + AVD stamp duty HK$1,372,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,113
−HK$6,466/mo
▼ 0.25% · 3.875%
HK$106,320
−HK$3,259/mo
Today · 4.125%
HK$109,579
baseline
▲ 0.50% · 4.625%
HK$116,247
+HK$6,668/mo
Deposit HK$9.69M · loan HK$22.61M · min. income ≈ HK$219,158/mo (50% DSR)
Upfront cash ≈ HK$11.06M (deposit + AVD stamp duty HK$1,372,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,712
−HK$6,198/mo
▼ 0.25% · 3.875%
HK$117,789
−HK$3,121/mo
Today · 4.125%
HK$120,910
baseline
▲ 0.50% · 4.625%
HK$127,283
+HK$6,373/mo
Deposit HK$9.69M · loan HK$22.61M · min. income ≈ HK$241,820/mo (50% DSR)
Upfront cash ≈ HK$11.06M (deposit + AVD stamp duty HK$1,372,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,574
−HK$8,314/mo
▼ 0.25% · 3.875%
HK$136,698
−HK$4,190/mo
Today · 4.125%
HK$140,888
baseline
▲ 0.50% · 4.625%
HK$149,460
+HK$8,572/mo
Deposit HK$3.23M · loan HK$29.07M · min. income ≈ HK$281,776/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$1,372,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,487
−HK$7,968/mo
▼ 0.25% · 3.875%
HK$151,443
−HK$4,012/mo
Today · 4.125%
HK$155,455
baseline
▲ 0.50% · 4.625%
HK$163,650
+HK$8,195/mo
Deposit HK$3.23M · loan HK$29.07M · min. income ≈ HK$310,910/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$1,372,749 · Scale 2, in force from 26 Feb 2026)