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$70,284
−HK$4,407/mo
▼ 0.25% · 3.875%
HK$72,470
−HK$2,221/mo
Today · 4.125%
HK$74,691
baseline
▲ 0.50% · 4.625%
HK$79,236
+HK$4,545/mo
Deposit HK$15.41M · loan HK$15.41M · min. income ≈ HK$149,382/mo (50% DSR)
Upfront cash ≈ HK$16.72M (deposit + AVD stamp duty HK$1,309,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,190
−HK$4,225/mo
▼ 0.25% · 3.875%
HK$80,287
−HK$2,128/mo
Today · 4.125%
HK$82,415
baseline
▲ 0.50% · 4.625%
HK$86,759
+HK$4,344/mo
Deposit HK$15.41M · loan HK$15.41M · min. income ≈ HK$164,830/mo (50% DSR)
Upfront cash ≈ HK$16.72M (deposit + AVD stamp duty HK$1,309,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,341
−HK$5,289/mo
▼ 0.25% · 3.875%
HK$86,964
−HK$2,666/mo
Today · 4.125%
HK$89,630
baseline
▲ 0.50% · 4.625%
HK$95,083
+HK$5,453/mo
Deposit HK$12.33M · loan HK$18.49M · min. income ≈ HK$179,260/mo (50% DSR)
Upfront cash ≈ HK$13.64M (deposit + AVD stamp duty HK$1,309,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,828
−HK$5,069/mo
▼ 0.25% · 3.875%
HK$96,345
−HK$2,552/mo
Today · 4.125%
HK$98,897
baseline
▲ 0.50% · 4.625%
HK$104,111
+HK$5,214/mo
Deposit HK$12.33M · loan HK$18.49M · min. income ≈ HK$197,794/mo (50% DSR)
Upfront cash ≈ HK$13.64M (deposit + AVD stamp duty HK$1,309,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,398
−HK$6,170/mo
▼ 0.25% · 3.875%
HK$101,458
−HK$3,110/mo
Today · 4.125%
HK$104,568
baseline
▲ 0.50% · 4.625%
HK$110,931
+HK$6,363/mo
Deposit HK$9.25M · loan HK$21.58M · min. income ≈ HK$209,136/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$1,309,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,466
−HK$5,914/mo
▼ 0.25% · 3.875%
HK$112,402
−HK$2,978/mo
Today · 4.125%
HK$115,380
baseline
▲ 0.50% · 4.625%
HK$121,462
+HK$6,082/mo
Deposit HK$9.25M · loan HK$21.58M · min. income ≈ HK$230,760/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$1,309,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,511
−HK$7,933/mo
▼ 0.25% · 3.875%
HK$130,446
−HK$3,998/mo
Today · 4.125%
HK$134,444
baseline
▲ 0.50% · 4.625%
HK$142,625
+HK$8,181/mo
Deposit HK$3.08M · loan HK$27.74M · min. income ≈ HK$268,888/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,309,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,742
−HK$7,604/mo
▼ 0.25% · 3.875%
HK$144,517
−HK$3,829/mo
Today · 4.125%
HK$148,346
baseline
▲ 0.50% · 4.625%
HK$156,166
+HK$7,820/mo
Deposit HK$3.08M · loan HK$27.74M · min. income ≈ HK$296,692/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,309,971 · Scale 2, in force from 26 Feb 2026)