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$68,582
−HK$4,301/mo
▼ 0.25% · 3.875%
HK$70,716
−HK$2,167/mo
Today · 4.125%
HK$72,883
baseline
▲ 0.50% · 4.625%
HK$77,318
+HK$4,435/mo
Deposit HK$15.04M · loan HK$15.04M · min. income ≈ HK$145,766/mo (50% DSR)
Upfront cash ≈ HK$16.32M (deposit + AVD stamp duty HK$1,278,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,297
−HK$4,122/mo
▼ 0.25% · 3.875%
HK$78,344
−HK$2,075/mo
Today · 4.125%
HK$80,419
baseline
▲ 0.50% · 4.625%
HK$84,658
+HK$4,239/mo
Deposit HK$15.04M · loan HK$15.04M · min. income ≈ HK$160,838/mo (50% DSR)
Upfront cash ≈ HK$16.32M (deposit + AVD stamp duty HK$1,278,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,299
−HK$5,161/mo
▼ 0.25% · 3.875%
HK$84,859
−HK$2,601/mo
Today · 4.125%
HK$87,460
baseline
▲ 0.50% · 4.625%
HK$92,782
+HK$5,322/mo
Deposit HK$12.03M · loan HK$18.05M · min. income ≈ HK$174,920/mo (50% DSR)
Upfront cash ≈ HK$13.31M (deposit + AVD stamp duty HK$1,278,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,557
−HK$4,946/mo
▼ 0.25% · 3.875%
HK$94,012
−HK$2,491/mo
Today · 4.125%
HK$96,503
baseline
▲ 0.50% · 4.625%
HK$101,590
+HK$5,087/mo
Deposit HK$12.03M · loan HK$18.05M · min. income ≈ HK$193,006/mo (50% DSR)
Upfront cash ≈ HK$13.31M (deposit + AVD stamp duty HK$1,278,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,015
−HK$6,021/mo
▼ 0.25% · 3.875%
HK$99,002
−HK$3,034/mo
Today · 4.125%
HK$102,036
baseline
▲ 0.50% · 4.625%
HK$108,245
+HK$6,209/mo
Deposit HK$9.02M · loan HK$21.05M · min. income ≈ HK$204,072/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$1,278,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,816
−HK$5,771/mo
▼ 0.25% · 3.875%
HK$109,681
−HK$2,906/mo
Today · 4.125%
HK$112,587
baseline
▲ 0.50% · 4.625%
HK$118,522
+HK$5,935/mo
Deposit HK$9.02M · loan HK$21.05M · min. income ≈ HK$225,174/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$1,278,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,448
−HK$7,742/mo
▼ 0.25% · 3.875%
HK$127,288
−HK$3,902/mo
Today · 4.125%
HK$131,190
baseline
▲ 0.50% · 4.625%
HK$139,172
+HK$7,982/mo
Deposit HK$3.01M · loan HK$27.07M · min. income ≈ HK$262,380/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$1,278,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,335
−HK$7,420/mo
▼ 0.25% · 3.875%
HK$141,018
−HK$3,737/mo
Today · 4.125%
HK$144,755
baseline
▲ 0.50% · 4.625%
HK$152,385
+HK$7,630/mo
Deposit HK$3.01M · loan HK$27.07M · min. income ≈ HK$289,510/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$1,278,258 · Scale 2, in force from 26 Feb 2026)