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$73,238
−HK$4,593/mo
▼ 0.25% · 3.875%
HK$75,516
−HK$2,315/mo
Today · 4.125%
HK$77,831
baseline
▲ 0.50% · 4.625%
HK$82,567
+HK$4,736/mo
Deposit HK$16.06M · loan HK$16.06M · min. income ≈ HK$155,662/mo (50% DSR)
Upfront cash ≈ HK$17.42M (deposit + AVD stamp duty HK$1,365,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,477
−HK$4,402/mo
▼ 0.25% · 3.875%
HK$83,662
−HK$2,217/mo
Today · 4.125%
HK$85,879
baseline
▲ 0.50% · 4.625%
HK$90,405
+HK$4,526/mo
Deposit HK$16.06M · loan HK$16.06M · min. income ≈ HK$171,758/mo (50% DSR)
Upfront cash ≈ HK$17.42M (deposit + AVD stamp duty HK$1,365,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,886
−HK$5,511/mo
▼ 0.25% · 3.875%
HK$90,619
−HK$2,778/mo
Today · 4.125%
HK$93,397
baseline
▲ 0.50% · 4.625%
HK$99,080
+HK$5,683/mo
Deposit HK$12.85M · loan HK$19.27M · min. income ≈ HK$186,794/mo (50% DSR)
Upfront cash ≈ HK$14.21M (deposit + AVD stamp duty HK$1,365,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,772
−HK$5,282/mo
▼ 0.25% · 3.875%
HK$100,394
−HK$2,660/mo
Today · 4.125%
HK$103,054
baseline
▲ 0.50% · 4.625%
HK$108,486
+HK$5,432/mo
Deposit HK$12.85M · loan HK$19.27M · min. income ≈ HK$206,108/mo (50% DSR)
Upfront cash ≈ HK$14.21M (deposit + AVD stamp duty HK$1,365,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,533
−HK$6,430/mo
▼ 0.25% · 3.875%
HK$105,723
−HK$3,240/mo
Today · 4.125%
HK$108,963
baseline
▲ 0.50% · 4.625%
HK$115,593
+HK$6,630/mo
Deposit HK$9.64M · loan HK$22.48M · min. income ≈ HK$217,926/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$1,365,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,067
−HK$6,163/mo
▼ 0.25% · 3.875%
HK$117,126
−HK$3,104/mo
Today · 4.125%
HK$120,230
baseline
▲ 0.50% · 4.625%
HK$126,567
+HK$6,337/mo
Deposit HK$9.64M · loan HK$22.48M · min. income ≈ HK$240,460/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$1,365,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,829
−HK$8,266/mo
▼ 0.25% · 3.875%
HK$135,929
−HK$4,166/mo
Today · 4.125%
HK$140,095
baseline
▲ 0.50% · 4.625%
HK$148,620
+HK$8,525/mo
Deposit HK$3.21M · loan HK$28.91M · min. income ≈ HK$280,190/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$1,365,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,658
−HK$7,923/mo
▼ 0.25% · 3.875%
HK$150,591
−HK$3,990/mo
Today · 4.125%
HK$154,581
baseline
▲ 0.50% · 4.625%
HK$162,730
+HK$8,149/mo
Deposit HK$3.21M · loan HK$28.91M · min. income ≈ HK$309,162/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$1,365,030 · Scale 2, in force from 26 Feb 2026)