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$73,316
−HK$4,598/mo
▼ 0.25% · 3.875%
HK$75,597
−HK$2,317/mo
Today · 4.125%
HK$77,914
baseline
▲ 0.50% · 4.625%
HK$82,655
+HK$4,741/mo
Deposit HK$16.08M · loan HK$16.08M · min. income ≈ HK$155,828/mo (50% DSR)
Upfront cash ≈ HK$17.44M (deposit + AVD stamp duty HK$1,366,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,563
−HK$4,407/mo
▼ 0.25% · 3.875%
HK$83,751
−HK$2,219/mo
Today · 4.125%
HK$85,970
baseline
▲ 0.50% · 4.625%
HK$90,502
+HK$4,532/mo
Deposit HK$16.08M · loan HK$16.08M · min. income ≈ HK$171,940/mo (50% DSR)
Upfront cash ≈ HK$17.44M (deposit + AVD stamp duty HK$1,366,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,979
−HK$5,517/mo
▼ 0.25% · 3.875%
HK$90,716
−HK$2,780/mo
Today · 4.125%
HK$93,496
baseline
▲ 0.50% · 4.625%
HK$99,186
+HK$5,690/mo
Deposit HK$12.86M · loan HK$19.29M · min. income ≈ HK$186,992/mo (50% DSR)
Upfront cash ≈ HK$14.23M (deposit + AVD stamp duty HK$1,366,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,876
−HK$5,288/mo
▼ 0.25% · 3.875%
HK$100,501
−HK$2,663/mo
Today · 4.125%
HK$103,164
baseline
▲ 0.50% · 4.625%
HK$108,602
+HK$5,438/mo
Deposit HK$12.86M · loan HK$19.29M · min. income ≈ HK$206,328/mo (50% DSR)
Upfront cash ≈ HK$14.23M (deposit + AVD stamp duty HK$1,366,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,643
−HK$6,436/mo
▼ 0.25% · 3.875%
HK$105,835
−HK$3,244/mo
Today · 4.125%
HK$109,079
baseline
▲ 0.50% · 4.625%
HK$115,716
+HK$6,637/mo
Deposit HK$9.65M · loan HK$22.51M · min. income ≈ HK$218,158/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$1,366,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,189
−HK$6,169/mo
▼ 0.25% · 3.875%
HK$117,251
−HK$3,107/mo
Today · 4.125%
HK$120,358
baseline
▲ 0.50% · 4.625%
HK$126,702
+HK$6,344/mo
Deposit HK$9.65M · loan HK$22.51M · min. income ≈ HK$240,716/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$1,366,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,969
−HK$8,276/mo
▼ 0.25% · 3.875%
HK$136,074
−HK$4,171/mo
Today · 4.125%
HK$140,245
baseline
▲ 0.50% · 4.625%
HK$148,778
+HK$8,533/mo
Deposit HK$3.22M · loan HK$28.94M · min. income ≈ HK$280,490/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$1,366,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,814
−HK$7,932/mo
▼ 0.25% · 3.875%
HK$150,752
−HK$3,994/mo
Today · 4.125%
HK$154,746
baseline
▲ 0.50% · 4.625%
HK$162,903
+HK$8,157/mo
Deposit HK$3.22M · loan HK$28.94M · min. income ≈ HK$309,492/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$1,366,486 · Scale 2, in force from 26 Feb 2026)