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$71,941
−HK$4,511/mo
▼ 0.25% · 3.875%
HK$74,178
−HK$2,274/mo
Today · 4.125%
HK$76,452
baseline
▲ 0.50% · 4.625%
HK$81,104
+HK$4,652/mo
Deposit HK$15.77M · loan HK$15.77M · min. income ≈ HK$152,904/mo (50% DSR)
Upfront cash ≈ HK$17.12M (deposit + AVD stamp duty HK$1,340,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,033
−HK$4,324/mo
▼ 0.25% · 3.875%
HK$82,180
−HK$2,177/mo
Today · 4.125%
HK$84,357
baseline
▲ 0.50% · 4.625%
HK$88,804
+HK$4,447/mo
Deposit HK$15.77M · loan HK$15.77M · min. income ≈ HK$168,714/mo (50% DSR)
Upfront cash ≈ HK$17.12M (deposit + AVD stamp duty HK$1,340,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,329
−HK$5,413/mo
▼ 0.25% · 3.875%
HK$89,014
−HK$2,728/mo
Today · 4.125%
HK$91,742
baseline
▲ 0.50% · 4.625%
HK$97,325
+HK$5,583/mo
Deposit HK$12.62M · loan HK$18.93M · min. income ≈ HK$183,484/mo (50% DSR)
Upfront cash ≈ HK$13.96M (deposit + AVD stamp duty HK$1,340,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,040
−HK$5,188/mo
▼ 0.25% · 3.875%
HK$98,615
−HK$2,613/mo
Today · 4.125%
HK$101,228
baseline
▲ 0.50% · 4.625%
HK$106,564
+HK$5,336/mo
Deposit HK$12.62M · loan HK$18.93M · min. income ≈ HK$202,456/mo (50% DSR)
Upfront cash ≈ HK$13.96M (deposit + AVD stamp duty HK$1,340,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,717
−HK$6,316/mo
▼ 0.25% · 3.875%
HK$103,850
−HK$3,183/mo
Today · 4.125%
HK$107,033
baseline
▲ 0.50% · 4.625%
HK$113,545
+HK$6,512/mo
Deposit HK$9.46M · loan HK$22.08M · min. income ≈ HK$214,066/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$1,340,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,046
−HK$6,054/mo
▼ 0.25% · 3.875%
HK$115,051
−HK$3,049/mo
Today · 4.125%
HK$118,100
baseline
▲ 0.50% · 4.625%
HK$124,325
+HK$6,225/mo
Deposit HK$9.46M · loan HK$22.08M · min. income ≈ HK$236,200/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$1,340,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,493
−HK$8,120/mo
▼ 0.25% · 3.875%
HK$133,521
−HK$4,092/mo
Today · 4.125%
HK$137,613
baseline
▲ 0.50% · 4.625%
HK$145,987
+HK$8,374/mo
Deposit HK$3.15M · loan HK$28.39M · min. income ≈ HK$275,226/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$1,340,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,060
−HK$7,783/mo
▼ 0.25% · 3.875%
HK$147,923
−HK$3,920/mo
Today · 4.125%
HK$151,843
baseline
▲ 0.50% · 4.625%
HK$159,847
+HK$8,004/mo
Deposit HK$3.15M · loan HK$28.39M · min. income ≈ HK$303,686/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$1,340,847 · Scale 2, in force from 26 Feb 2026)