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$72,538
−HK$4,549/mo
▼ 0.25% · 3.875%
HK$74,795
−HK$2,292/mo
Today · 4.125%
HK$77,087
baseline
▲ 0.50% · 4.625%
HK$81,778
+HK$4,691/mo
Deposit HK$15.91M · loan HK$15.91M · min. income ≈ HK$154,174/mo (50% DSR)
Upfront cash ≈ HK$17.26M (deposit + AVD stamp duty HK$1,351,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,698
−HK$4,360/mo
▼ 0.25% · 3.875%
HK$82,862
−HK$2,196/mo
Today · 4.125%
HK$85,058
baseline
▲ 0.50% · 4.625%
HK$89,541
+HK$4,483/mo
Deposit HK$15.91M · loan HK$15.91M · min. income ≈ HK$170,116/mo (50% DSR)
Upfront cash ≈ HK$17.26M (deposit + AVD stamp duty HK$1,351,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,046
−HK$5,458/mo
▼ 0.25% · 3.875%
HK$89,754
−HK$2,750/mo
Today · 4.125%
HK$92,504
baseline
▲ 0.50% · 4.625%
HK$98,133
+HK$5,629/mo
Deposit HK$12.72M · loan HK$19.09M · min. income ≈ HK$185,008/mo (50% DSR)
Upfront cash ≈ HK$14.08M (deposit + AVD stamp duty HK$1,351,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,838
−HK$5,232/mo
▼ 0.25% · 3.875%
HK$99,435
−HK$2,635/mo
Today · 4.125%
HK$102,070
baseline
▲ 0.50% · 4.625%
HK$107,450
+HK$5,380/mo
Deposit HK$12.72M · loan HK$19.09M · min. income ≈ HK$204,140/mo (50% DSR)
Upfront cash ≈ HK$14.08M (deposit + AVD stamp duty HK$1,351,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,554
−HK$6,368/mo
▼ 0.25% · 3.875%
HK$104,712
−HK$3,210/mo
Today · 4.125%
HK$107,922
baseline
▲ 0.50% · 4.625%
HK$114,489
+HK$6,567/mo
Deposit HK$9.54M · loan HK$22.27M · min. income ≈ HK$215,844/mo (50% DSR)
Upfront cash ≈ HK$10.90M (deposit + AVD stamp duty HK$1,351,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,977
−HK$6,104/mo
▼ 0.25% · 3.875%
HK$116,007
−HK$3,074/mo
Today · 4.125%
HK$119,081
baseline
▲ 0.50% · 4.625%
HK$125,358
+HK$6,277/mo
Deposit HK$9.54M · loan HK$22.27M · min. income ≈ HK$238,162/mo (50% DSR)
Upfront cash ≈ HK$10.90M (deposit + AVD stamp duty HK$1,351,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,569
−HK$8,188/mo
▼ 0.25% · 3.875%
HK$134,630
−HK$4,127/mo
Today · 4.125%
HK$138,757
baseline
▲ 0.50% · 4.625%
HK$147,200
+HK$8,443/mo
Deposit HK$3.18M · loan HK$28.63M · min. income ≈ HK$277,514/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$1,351,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,257
−HK$7,847/mo
▼ 0.25% · 3.875%
HK$149,152
−HK$3,952/mo
Today · 4.125%
HK$153,104
baseline
▲ 0.50% · 4.625%
HK$161,175
+HK$8,071/mo
Deposit HK$3.18M · loan HK$28.63M · min. income ≈ HK$306,208/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$1,351,987 · Scale 2, in force from 26 Feb 2026)