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$71,948
−HK$4,512/mo
▼ 0.25% · 3.875%
HK$74,186
−HK$2,274/mo
Today · 4.125%
HK$76,460
baseline
▲ 0.50% · 4.625%
HK$81,113
+HK$4,653/mo
Deposit HK$15.78M · loan HK$15.78M · min. income ≈ HK$152,920/mo (50% DSR)
Upfront cash ≈ HK$17.12M (deposit + AVD stamp duty HK$1,340,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,042
−HK$4,324/mo
▼ 0.25% · 3.875%
HK$82,189
−HK$2,177/mo
Today · 4.125%
HK$84,366
baseline
▲ 0.50% · 4.625%
HK$88,813
+HK$4,447/mo
Deposit HK$15.78M · loan HK$15.78M · min. income ≈ HK$168,732/mo (50% DSR)
Upfront cash ≈ HK$17.12M (deposit + AVD stamp duty HK$1,340,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,338
−HK$5,414/mo
▼ 0.25% · 3.875%
HK$89,024
−HK$2,728/mo
Today · 4.125%
HK$91,752
baseline
▲ 0.50% · 4.625%
HK$97,335
+HK$5,583/mo
Deposit HK$12.62M · loan HK$18.93M · min. income ≈ HK$183,504/mo (50% DSR)
Upfront cash ≈ HK$13.96M (deposit + AVD stamp duty HK$1,340,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,050
−HK$5,190/mo
▼ 0.25% · 3.875%
HK$98,626
−HK$2,614/mo
Today · 4.125%
HK$101,240
baseline
▲ 0.50% · 4.625%
HK$106,576
+HK$5,336/mo
Deposit HK$12.62M · loan HK$18.93M · min. income ≈ HK$202,480/mo (50% DSR)
Upfront cash ≈ HK$13.96M (deposit + AVD stamp duty HK$1,340,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,728
−HK$6,316/mo
▼ 0.25% · 3.875%
HK$103,861
−HK$3,183/mo
Today · 4.125%
HK$107,044
baseline
▲ 0.50% · 4.625%
HK$113,558
+HK$6,514/mo
Deposit HK$9.47M · loan HK$22.09M · min. income ≈ HK$214,088/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$1,340,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,059
−HK$6,054/mo
▼ 0.25% · 3.875%
HK$115,064
−HK$3,049/mo
Today · 4.125%
HK$118,113
baseline
▲ 0.50% · 4.625%
HK$124,339
+HK$6,226/mo
Deposit HK$9.47M · loan HK$22.09M · min. income ≈ HK$236,226/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$1,340,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,507
−HK$8,121/mo
▼ 0.25% · 3.875%
HK$133,536
−HK$4,092/mo
Today · 4.125%
HK$137,628
baseline
▲ 0.50% · 4.625%
HK$146,003
+HK$8,375/mo
Deposit HK$3.16M · loan HK$28.40M · min. income ≈ HK$275,256/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$1,340,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,075
−HK$7,784/mo
▼ 0.25% · 3.875%
HK$147,939
−HK$3,920/mo
Today · 4.125%
HK$151,859
baseline
▲ 0.50% · 4.625%
HK$159,864
+HK$8,005/mo
Deposit HK$3.16M · loan HK$28.40M · min. income ≈ HK$303,718/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$1,340,994 · Scale 2, in force from 26 Feb 2026)