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$73,689
−HK$4,621/mo
▼ 0.25% · 3.875%
HK$75,981
−HK$2,329/mo
Today · 4.125%
HK$78,310
baseline
▲ 0.50% · 4.625%
HK$83,075
+HK$4,765/mo
Deposit HK$16.16M · loan HK$16.16M · min. income ≈ HK$156,620/mo (50% DSR)
Upfront cash ≈ HK$17.53M (deposit + AVD stamp duty HK$1,373,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,978
−HK$4,429/mo
▼ 0.25% · 3.875%
HK$84,177
−HK$2,230/mo
Today · 4.125%
HK$86,407
baseline
▲ 0.50% · 4.625%
HK$90,962
+HK$4,555/mo
Deposit HK$16.16M · loan HK$16.16M · min. income ≈ HK$172,814/mo (50% DSR)
Upfront cash ≈ HK$17.53M (deposit + AVD stamp duty HK$1,373,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,427
−HK$5,545/mo
▼ 0.25% · 3.875%
HK$91,177
−HK$2,795/mo
Today · 4.125%
HK$93,972
baseline
▲ 0.50% · 4.625%
HK$99,690
+HK$5,718/mo
Deposit HK$12.93M · loan HK$19.39M · min. income ≈ HK$187,944/mo (50% DSR)
Upfront cash ≈ HK$14.30M (deposit + AVD stamp duty HK$1,373,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,374
−HK$5,315/mo
▼ 0.25% · 3.875%
HK$101,012
−HK$2,677/mo
Today · 4.125%
HK$103,689
baseline
▲ 0.50% · 4.625%
HK$109,154
+HK$5,465/mo
Deposit HK$12.93M · loan HK$19.39M · min. income ≈ HK$207,378/mo (50% DSR)
Upfront cash ≈ HK$14.30M (deposit + AVD stamp duty HK$1,373,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,164
−HK$6,470/mo
▼ 0.25% · 3.875%
HK$106,373
−HK$3,261/mo
Today · 4.125%
HK$109,634
baseline
▲ 0.50% · 4.625%
HK$116,305
+HK$6,671/mo
Deposit HK$9.69M · loan HK$22.62M · min. income ≈ HK$219,268/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$1,373,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,769
−HK$6,201/mo
▼ 0.25% · 3.875%
HK$117,848
−HK$3,122/mo
Today · 4.125%
HK$120,970
baseline
▲ 0.50% · 4.625%
HK$127,347
+HK$6,377/mo
Deposit HK$9.69M · loan HK$22.62M · min. income ≈ HK$241,940/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$1,373,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,640
−HK$8,318/mo
▼ 0.25% · 3.875%
HK$136,766
−HK$4,192/mo
Today · 4.125%
HK$140,958
baseline
▲ 0.50% · 4.625%
HK$149,535
+HK$8,577/mo
Deposit HK$3.23M · loan HK$29.08M · min. income ≈ HK$281,916/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$1,373,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,561
−HK$7,972/mo
▼ 0.25% · 3.875%
HK$151,518
−HK$4,015/mo
Today · 4.125%
HK$155,533
baseline
▲ 0.50% · 4.625%
HK$163,731
+HK$8,198/mo
Deposit HK$3.23M · loan HK$29.08M · min. income ≈ HK$311,066/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$1,373,433 · Scale 2, in force from 26 Feb 2026)