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$71,697
−HK$4,496/mo
▼ 0.25% · 3.875%
HK$73,927
−HK$2,266/mo
Today · 4.125%
HK$76,193
baseline
▲ 0.50% · 4.625%
HK$80,830
+HK$4,637/mo
Deposit HK$15.72M · loan HK$15.72M · min. income ≈ HK$152,386/mo (50% DSR)
Upfront cash ≈ HK$17.06M (deposit + AVD stamp duty HK$1,336,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,763
−HK$4,309/mo
▼ 0.25% · 3.875%
HK$81,902
−HK$2,170/mo
Today · 4.125%
HK$84,072
baseline
▲ 0.50% · 4.625%
HK$88,503
+HK$4,431/mo
Deposit HK$15.72M · loan HK$15.72M · min. income ≈ HK$168,144/mo (50% DSR)
Upfront cash ≈ HK$17.06M (deposit + AVD stamp duty HK$1,336,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,037
−HK$5,395/mo
▼ 0.25% · 3.875%
HK$88,713
−HK$2,719/mo
Today · 4.125%
HK$91,432
baseline
▲ 0.50% · 4.625%
HK$96,995
+HK$5,563/mo
Deposit HK$12.58M · loan HK$18.87M · min. income ≈ HK$182,864/mo (50% DSR)
Upfront cash ≈ HK$13.91M (deposit + AVD stamp duty HK$1,336,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,715
−HK$5,171/mo
▼ 0.25% · 3.875%
HK$98,282
−HK$2,604/mo
Today · 4.125%
HK$100,886
baseline
▲ 0.50% · 4.625%
HK$106,204
+HK$5,318/mo
Deposit HK$12.58M · loan HK$18.87M · min. income ≈ HK$201,772/mo (50% DSR)
Upfront cash ≈ HK$13.91M (deposit + AVD stamp duty HK$1,336,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,376
−HK$6,295/mo
▼ 0.25% · 3.875%
HK$103,498
−HK$3,173/mo
Today · 4.125%
HK$106,671
baseline
▲ 0.50% · 4.625%
HK$113,161
+HK$6,490/mo
Deposit HK$9.43M · loan HK$22.01M · min. income ≈ HK$213,342/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$1,336,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,668
−HK$6,033/mo
▼ 0.25% · 3.875%
HK$114,662
−HK$3,039/mo
Today · 4.125%
HK$117,701
baseline
▲ 0.50% · 4.625%
HK$123,905
+HK$6,204/mo
Deposit HK$9.43M · loan HK$22.01M · min. income ≈ HK$235,402/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$1,336,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,055
−HK$8,093/mo
▼ 0.25% · 3.875%
HK$133,069
−HK$4,079/mo
Today · 4.125%
HK$137,148
baseline
▲ 0.50% · 4.625%
HK$145,493
+HK$8,345/mo
Deposit HK$3.14M · loan HK$28.30M · min. income ≈ HK$274,296/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$1,336,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,573
−HK$7,756/mo
▼ 0.25% · 3.875%
HK$147,423
−HK$3,906/mo
Today · 4.125%
HK$151,329
baseline
▲ 0.50% · 4.625%
HK$159,306
+HK$7,977/mo
Deposit HK$3.14M · loan HK$28.30M · min. income ≈ HK$302,658/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$1,336,313 · Scale 2, in force from 26 Feb 2026)