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$73,175
−HK$4,589/mo
▼ 0.25% · 3.875%
HK$75,451
−HK$2,313/mo
Today · 4.125%
HK$77,764
baseline
▲ 0.50% · 4.625%
HK$82,495
+HK$4,731/mo
Deposit HK$16.05M · loan HK$16.05M · min. income ≈ HK$155,528/mo (50% DSR)
Upfront cash ≈ HK$17.41M (deposit + AVD stamp duty HK$1,363,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,406
−HK$4,399/mo
▼ 0.25% · 3.875%
HK$83,590
−HK$2,215/mo
Today · 4.125%
HK$85,805
baseline
▲ 0.50% · 4.625%
HK$90,327
+HK$4,522/mo
Deposit HK$16.05M · loan HK$16.05M · min. income ≈ HK$171,610/mo (50% DSR)
Upfront cash ≈ HK$17.41M (deposit + AVD stamp duty HK$1,363,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,810
−HK$5,506/mo
▼ 0.25% · 3.875%
HK$90,541
−HK$2,775/mo
Today · 4.125%
HK$93,316
baseline
▲ 0.50% · 4.625%
HK$98,995
+HK$5,679/mo
Deposit HK$12.84M · loan HK$19.25M · min. income ≈ HK$186,632/mo (50% DSR)
Upfront cash ≈ HK$14.20M (deposit + AVD stamp duty HK$1,363,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,688
−HK$5,277/mo
▼ 0.25% · 3.875%
HK$100,308
−HK$2,657/mo
Today · 4.125%
HK$102,965
baseline
▲ 0.50% · 4.625%
HK$108,393
+HK$5,428/mo
Deposit HK$12.84M · loan HK$19.25M · min. income ≈ HK$205,930/mo (50% DSR)
Upfront cash ≈ HK$14.20M (deposit + AVD stamp duty HK$1,363,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,445
−HK$6,424/mo
▼ 0.25% · 3.875%
HK$105,632
−HK$3,237/mo
Today · 4.125%
HK$108,869
baseline
▲ 0.50% · 4.625%
HK$115,494
+HK$6,625/mo
Deposit HK$9.63M · loan HK$22.46M · min. income ≈ HK$217,738/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$1,363,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,969
−HK$6,157/mo
▼ 0.25% · 3.875%
HK$117,026
−HK$3,100/mo
Today · 4.125%
HK$120,126
baseline
▲ 0.50% · 4.625%
HK$126,458
+HK$6,332/mo
Deposit HK$9.63M · loan HK$22.46M · min. income ≈ HK$240,252/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$1,363,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,715
−HK$8,260/mo
▼ 0.25% · 3.875%
HK$135,812
−HK$4,163/mo
Today · 4.125%
HK$139,975
baseline
▲ 0.50% · 4.625%
HK$148,492
+HK$8,517/mo
Deposit HK$3.21M · loan HK$28.88M · min. income ≈ HK$279,950/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$1,363,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,532
−HK$7,916/mo
▼ 0.25% · 3.875%
HK$150,461
−HK$3,987/mo
Today · 4.125%
HK$154,448
baseline
▲ 0.50% · 4.625%
HK$162,589
+HK$8,141/mo
Deposit HK$3.21M · loan HK$28.88M · min. income ≈ HK$308,896/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$1,363,854 · Scale 2, in force from 26 Feb 2026)