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$71,462
−HK$4,481/mo
▼ 0.25% · 3.875%
HK$73,685
−HK$2,258/mo
Today · 4.125%
HK$75,943
baseline
▲ 0.50% · 4.625%
HK$80,564
+HK$4,621/mo
Deposit HK$15.67M · loan HK$15.67M · min. income ≈ HK$151,886/mo (50% DSR)
Upfront cash ≈ HK$17.00M (deposit + AVD stamp duty HK$1,331,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,500
−HK$4,296/mo
▼ 0.25% · 3.875%
HK$81,633
−HK$2,163/mo
Today · 4.125%
HK$83,796
baseline
▲ 0.50% · 4.625%
HK$88,213
+HK$4,417/mo
Deposit HK$15.67M · loan HK$15.67M · min. income ≈ HK$167,592/mo (50% DSR)
Upfront cash ≈ HK$17.00M (deposit + AVD stamp duty HK$1,331,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,754
−HK$5,378/mo
▼ 0.25% · 3.875%
HK$88,421
−HK$2,711/mo
Today · 4.125%
HK$91,132
baseline
▲ 0.50% · 4.625%
HK$96,677
+HK$5,545/mo
Deposit HK$12.54M · loan HK$18.80M · min. income ≈ HK$182,264/mo (50% DSR)
Upfront cash ≈ HK$13.87M (deposit + AVD stamp duty HK$1,331,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,400
−HK$5,155/mo
▼ 0.25% · 3.875%
HK$97,959
−HK$2,596/mo
Today · 4.125%
HK$100,555
baseline
▲ 0.50% · 4.625%
HK$105,855
+HK$5,300/mo
Deposit HK$12.54M · loan HK$18.80M · min. income ≈ HK$201,110/mo (50% DSR)
Upfront cash ≈ HK$13.87M (deposit + AVD stamp duty HK$1,331,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,046
−HK$6,274/mo
▼ 0.25% · 3.875%
HK$103,158
−HK$3,162/mo
Today · 4.125%
HK$106,320
baseline
▲ 0.50% · 4.625%
HK$112,789
+HK$6,469/mo
Deposit HK$9.40M · loan HK$21.94M · min. income ≈ HK$212,640/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$1,331,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,301
−HK$6,013/mo
▼ 0.25% · 3.875%
HK$114,286
−HK$3,028/mo
Today · 4.125%
HK$117,314
baseline
▲ 0.50% · 4.625%
HK$123,498
+HK$6,184/mo
Deposit HK$9.40M · loan HK$21.94M · min. income ≈ HK$234,628/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$1,331,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,631
−HK$8,066/mo
▼ 0.25% · 3.875%
HK$132,632
−HK$4,065/mo
Today · 4.125%
HK$136,697
baseline
▲ 0.50% · 4.625%
HK$145,015
+HK$8,318/mo
Deposit HK$3.13M · loan HK$28.21M · min. income ≈ HK$273,394/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$1,331,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,101
−HK$7,731/mo
▼ 0.25% · 3.875%
HK$146,939
−HK$3,893/mo
Today · 4.125%
HK$150,832
baseline
▲ 0.50% · 4.625%
HK$158,783
+HK$7,951/mo
Deposit HK$3.13M · loan HK$28.21M · min. income ≈ HK$301,664/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$1,331,921 · Scale 2, in force from 26 Feb 2026)