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$71,417
−HK$4,478/mo
▼ 0.25% · 3.875%
HK$73,638
−HK$2,257/mo
Today · 4.125%
HK$75,895
baseline
▲ 0.50% · 4.625%
HK$80,513
+HK$4,618/mo
Deposit HK$15.66M · loan HK$15.66M · min. income ≈ HK$151,790/mo (50% DSR)
Upfront cash ≈ HK$16.99M (deposit + AVD stamp duty HK$1,331,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,451
−HK$4,292/mo
▼ 0.25% · 3.875%
HK$81,581
−HK$2,162/mo
Today · 4.125%
HK$83,743
baseline
▲ 0.50% · 4.625%
HK$88,157
+HK$4,414/mo
Deposit HK$15.66M · loan HK$15.66M · min. income ≈ HK$167,486/mo (50% DSR)
Upfront cash ≈ HK$16.99M (deposit + AVD stamp duty HK$1,331,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,700
−HK$5,374/mo
▼ 0.25% · 3.875%
HK$88,366
−HK$2,708/mo
Today · 4.125%
HK$91,074
baseline
▲ 0.50% · 4.625%
HK$96,616
+HK$5,542/mo
Deposit HK$12.53M · loan HK$18.79M · min. income ≈ HK$182,148/mo (50% DSR)
Upfront cash ≈ HK$13.86M (deposit + AVD stamp duty HK$1,331,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,341
−HK$5,151/mo
▼ 0.25% · 3.875%
HK$97,898
−HK$2,594/mo
Today · 4.125%
HK$100,492
baseline
▲ 0.50% · 4.625%
HK$105,789
+HK$5,297/mo
Deposit HK$12.53M · loan HK$18.79M · min. income ≈ HK$200,984/mo (50% DSR)
Upfront cash ≈ HK$13.86M (deposit + AVD stamp duty HK$1,331,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,984
−HK$6,270/mo
▼ 0.25% · 3.875%
HK$103,094
−HK$3,160/mo
Today · 4.125%
HK$106,254
baseline
▲ 0.50% · 4.625%
HK$112,719
+HK$6,465/mo
Deposit HK$9.40M · loan HK$21.92M · min. income ≈ HK$212,508/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$1,331,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,231
−HK$6,009/mo
▼ 0.25% · 3.875%
HK$114,214
−HK$3,026/mo
Today · 4.125%
HK$117,240
baseline
▲ 0.50% · 4.625%
HK$123,420
+HK$6,180/mo
Deposit HK$9.40M · loan HK$21.92M · min. income ≈ HK$234,480/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$1,331,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,550
−HK$8,062/mo
▼ 0.25% · 3.875%
HK$132,549
−HK$4,063/mo
Today · 4.125%
HK$136,612
baseline
▲ 0.50% · 4.625%
HK$144,924
+HK$8,312/mo
Deposit HK$3.13M · loan HK$28.19M · min. income ≈ HK$273,224/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$1,331,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,011
−HK$7,726/mo
▼ 0.25% · 3.875%
HK$146,847
−HK$3,890/mo
Today · 4.125%
HK$150,737
baseline
▲ 0.50% · 4.625%
HK$158,683
+HK$7,946/mo
Deposit HK$3.13M · loan HK$28.19M · min. income ≈ HK$301,474/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$1,331,087 · Scale 2, in force from 26 Feb 2026)