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$69,906
−HK$4,384/mo
▼ 0.25% · 3.875%
HK$72,081
−HK$2,209/mo
Today · 4.125%
HK$74,290
baseline
▲ 0.50% · 4.625%
HK$78,810
+HK$4,520/mo
Deposit HK$15.33M · loan HK$15.33M · min. income ≈ HK$148,580/mo (50% DSR)
Upfront cash ≈ HK$16.63M (deposit + AVD stamp duty HK$1,302,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,770
−HK$4,202/mo
▼ 0.25% · 3.875%
HK$79,856
−HK$2,116/mo
Today · 4.125%
HK$81,972
baseline
▲ 0.50% · 4.625%
HK$86,292
+HK$4,320/mo
Deposit HK$15.33M · loan HK$15.33M · min. income ≈ HK$163,944/mo (50% DSR)
Upfront cash ≈ HK$16.63M (deposit + AVD stamp duty HK$1,302,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,887
−HK$5,261/mo
▼ 0.25% · 3.875%
HK$86,497
−HK$2,651/mo
Today · 4.125%
HK$89,148
baseline
▲ 0.50% · 4.625%
HK$94,572
+HK$5,424/mo
Deposit HK$12.26M · loan HK$18.39M · min. income ≈ HK$178,296/mo (50% DSR)
Upfront cash ≈ HK$13.57M (deposit + AVD stamp duty HK$1,302,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,324
−HK$5,042/mo
▼ 0.25% · 3.875%
HK$95,827
−HK$2,539/mo
Today · 4.125%
HK$98,366
baseline
▲ 0.50% · 4.625%
HK$103,551
+HK$5,185/mo
Deposit HK$12.26M · loan HK$18.39M · min. income ≈ HK$196,732/mo (50% DSR)
Upfront cash ≈ HK$13.57M (deposit + AVD stamp duty HK$1,302,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,869
−HK$6,137/mo
▼ 0.25% · 3.875%
HK$100,913
−HK$3,093/mo
Today · 4.125%
HK$104,006
baseline
▲ 0.50% · 4.625%
HK$110,334
+HK$6,328/mo
Deposit HK$9.20M · loan HK$21.46M · min. income ≈ HK$208,012/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$1,302,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,878
−HK$5,882/mo
▼ 0.25% · 3.875%
HK$111,798
−HK$2,962/mo
Today · 4.125%
HK$114,760
baseline
▲ 0.50% · 4.625%
HK$120,809
+HK$6,049/mo
Deposit HK$9.20M · loan HK$21.46M · min. income ≈ HK$229,520/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$1,302,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,831
−HK$7,891/mo
▼ 0.25% · 3.875%
HK$129,745
−HK$3,977/mo
Today · 4.125%
HK$133,722
baseline
▲ 0.50% · 4.625%
HK$141,858
+HK$8,136/mo
Deposit HK$3.07M · loan HK$27.59M · min. income ≈ HK$267,444/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$1,302,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,986
−HK$7,563/mo
▼ 0.25% · 3.875%
HK$143,740
−HK$3,809/mo
Today · 4.125%
HK$147,549
baseline
▲ 0.50% · 4.625%
HK$155,326
+HK$7,777/mo
Deposit HK$3.07M · loan HK$27.59M · min. income ≈ HK$295,098/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$1,302,928 · Scale 2, in force from 26 Feb 2026)