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$68,616
−HK$4,303/mo
▼ 0.25% · 3.875%
HK$70,750
−HK$2,169/mo
Today · 4.125%
HK$72,919
baseline
▲ 0.50% · 4.625%
HK$77,356
+HK$4,437/mo
Deposit HK$15.05M · loan HK$15.05M · min. income ≈ HK$145,838/mo (50% DSR)
Upfront cash ≈ HK$16.32M (deposit + AVD stamp duty HK$1,278,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,335
−HK$4,124/mo
▼ 0.25% · 3.875%
HK$78,382
−HK$2,077/mo
Today · 4.125%
HK$80,459
baseline
▲ 0.50% · 4.625%
HK$84,700
+HK$4,241/mo
Deposit HK$15.05M · loan HK$15.05M · min. income ≈ HK$160,918/mo (50% DSR)
Upfront cash ≈ HK$16.32M (deposit + AVD stamp duty HK$1,278,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,339
−HK$5,164/mo
▼ 0.25% · 3.875%
HK$84,901
−HK$2,602/mo
Today · 4.125%
HK$87,503
baseline
▲ 0.50% · 4.625%
HK$92,827
+HK$5,324/mo
Deposit HK$12.04M · loan HK$18.05M · min. income ≈ HK$175,006/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,278,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,602
−HK$4,949/mo
▼ 0.25% · 3.875%
HK$94,058
−HK$2,493/mo
Today · 4.125%
HK$96,551
baseline
▲ 0.50% · 4.625%
HK$101,640
+HK$5,089/mo
Deposit HK$12.04M · loan HK$18.05M · min. income ≈ HK$193,102/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,278,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,063
−HK$6,023/mo
▼ 0.25% · 3.875%
HK$99,051
−HK$3,035/mo
Today · 4.125%
HK$102,086
baseline
▲ 0.50% · 4.625%
HK$108,298
+HK$6,212/mo
Deposit HK$9.03M · loan HK$21.06M · min. income ≈ HK$204,172/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$1,278,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,869
−HK$5,773/mo
▼ 0.25% · 3.875%
HK$109,735
−HK$2,907/mo
Today · 4.125%
HK$112,642
baseline
▲ 0.50% · 4.625%
HK$118,580
+HK$5,938/mo
Deposit HK$9.03M · loan HK$21.06M · min. income ≈ HK$225,284/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$1,278,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,509
−HK$7,745/mo
▼ 0.25% · 3.875%
HK$127,351
−HK$3,903/mo
Today · 4.125%
HK$131,254
baseline
▲ 0.50% · 4.625%
HK$139,241
+HK$7,987/mo
Deposit HK$3.01M · loan HK$27.08M · min. income ≈ HK$262,508/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$1,278,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,402
−HK$7,424/mo
▼ 0.25% · 3.875%
HK$141,088
−HK$3,738/mo
Today · 4.125%
HK$144,826
baseline
▲ 0.50% · 4.625%
HK$152,460
+HK$7,634/mo
Deposit HK$3.01M · loan HK$27.08M · min. income ≈ HK$289,652/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$1,278,884 · Scale 2, in force from 26 Feb 2026)