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$72,493
−HK$4,546/mo
▼ 0.25% · 3.875%
HK$74,748
−HK$2,291/mo
Today · 4.125%
HK$77,039
baseline
▲ 0.50% · 4.625%
HK$81,727
+HK$4,688/mo
Deposit HK$15.90M · loan HK$15.90M · min. income ≈ HK$154,078/mo (50% DSR)
Upfront cash ≈ HK$17.25M (deposit + AVD stamp duty HK$1,351,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,648
−HK$4,357/mo
▼ 0.25% · 3.875%
HK$82,811
−HK$2,194/mo
Today · 4.125%
HK$85,005
baseline
▲ 0.50% · 4.625%
HK$89,486
+HK$4,481/mo
Deposit HK$15.90M · loan HK$15.90M · min. income ≈ HK$170,010/mo (50% DSR)
Upfront cash ≈ HK$17.25M (deposit + AVD stamp duty HK$1,351,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,992
−HK$5,455/mo
▼ 0.25% · 3.875%
HK$89,697
−HK$2,750/mo
Today · 4.125%
HK$92,447
baseline
▲ 0.50% · 4.625%
HK$98,072
+HK$5,625/mo
Deposit HK$12.72M · loan HK$19.07M · min. income ≈ HK$184,894/mo (50% DSR)
Upfront cash ≈ HK$14.07M (deposit + AVD stamp duty HK$1,351,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,777
−HK$5,229/mo
▼ 0.25% · 3.875%
HK$99,373
−HK$2,633/mo
Today · 4.125%
HK$102,006
baseline
▲ 0.50% · 4.625%
HK$107,383
+HK$5,377/mo
Deposit HK$12.72M · loan HK$19.07M · min. income ≈ HK$204,012/mo (50% DSR)
Upfront cash ≈ HK$14.07M (deposit + AVD stamp duty HK$1,351,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,490
−HK$6,364/mo
▼ 0.25% · 3.875%
HK$104,647
−HK$3,207/mo
Today · 4.125%
HK$107,854
baseline
▲ 0.50% · 4.625%
HK$114,417
+HK$6,563/mo
Deposit HK$9.54M · loan HK$22.25M · min. income ≈ HK$215,708/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$1,351,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,907
−HK$6,100/mo
▼ 0.25% · 3.875%
HK$115,935
−HK$3,072/mo
Today · 4.125%
HK$119,007
baseline
▲ 0.50% · 4.625%
HK$125,280
+HK$6,273/mo
Deposit HK$9.54M · loan HK$22.25M · min. income ≈ HK$238,014/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$1,351,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,487
−HK$8,183/mo
▼ 0.25% · 3.875%
HK$134,546
−HK$4,124/mo
Today · 4.125%
HK$138,670
baseline
▲ 0.50% · 4.625%
HK$147,108
+HK$8,438/mo
Deposit HK$3.18M · loan HK$28.61M · min. income ≈ HK$277,340/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$1,351,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,166
−HK$7,843/mo
▼ 0.25% · 3.875%
HK$149,059
−HK$3,950/mo
Today · 4.125%
HK$153,009
baseline
▲ 0.50% · 4.625%
HK$161,074
+HK$8,065/mo
Deposit HK$3.18M · loan HK$28.61M · min. income ≈ HK$306,018/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$1,351,142 · Scale 2, in force from 26 Feb 2026)