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$72,817
−HK$4,566/mo
▼ 0.25% · 3.875%
HK$75,082
−HK$2,301/mo
Today · 4.125%
HK$77,383
baseline
▲ 0.50% · 4.625%
HK$82,092
+HK$4,709/mo
Deposit HK$15.97M · loan HK$15.97M · min. income ≈ HK$154,766/mo (50% DSR)
Upfront cash ≈ HK$17.32M (deposit + AVD stamp duty HK$1,357,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,008
−HK$4,377/mo
▼ 0.25% · 3.875%
HK$83,181
−HK$2,204/mo
Today · 4.125%
HK$85,385
baseline
▲ 0.50% · 4.625%
HK$89,886
+HK$4,501/mo
Deposit HK$15.97M · loan HK$15.97M · min. income ≈ HK$170,770/mo (50% DSR)
Upfront cash ≈ HK$17.32M (deposit + AVD stamp duty HK$1,357,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,381
−HK$5,479/mo
▼ 0.25% · 3.875%
HK$90,099
−HK$2,761/mo
Today · 4.125%
HK$92,860
baseline
▲ 0.50% · 4.625%
HK$98,510
+HK$5,650/mo
Deposit HK$12.77M · loan HK$19.16M · min. income ≈ HK$185,720/mo (50% DSR)
Upfront cash ≈ HK$14.13M (deposit + AVD stamp duty HK$1,357,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,210
−HK$5,252/mo
▼ 0.25% · 3.875%
HK$99,817
−HK$2,645/mo
Today · 4.125%
HK$102,462
baseline
▲ 0.50% · 4.625%
HK$107,863
+HK$5,401/mo
Deposit HK$12.77M · loan HK$19.16M · min. income ≈ HK$204,924/mo (50% DSR)
Upfront cash ≈ HK$14.13M (deposit + AVD stamp duty HK$1,357,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,944
−HK$6,393/mo
▼ 0.25% · 3.875%
HK$105,115
−HK$3,222/mo
Today · 4.125%
HK$108,337
baseline
▲ 0.50% · 4.625%
HK$114,929
+HK$6,592/mo
Deposit HK$9.58M · loan HK$22.35M · min. income ≈ HK$216,674/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$1,357,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,412
−HK$6,127/mo
▼ 0.25% · 3.875%
HK$116,453
−HK$3,086/mo
Today · 4.125%
HK$119,539
baseline
▲ 0.50% · 4.625%
HK$125,840
+HK$6,301/mo
Deposit HK$9.58M · loan HK$22.35M · min. income ≈ HK$239,078/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$1,357,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,071
−HK$8,219/mo
▼ 0.25% · 3.875%
HK$135,148
−HK$4,142/mo
Today · 4.125%
HK$139,290
baseline
▲ 0.50% · 4.625%
HK$147,766
+HK$8,476/mo
Deposit HK$3.19M · loan HK$28.74M · min. income ≈ HK$278,580/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$1,357,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,815
−HK$7,878/mo
▼ 0.25% · 3.875%
HK$149,726
−HK$3,967/mo
Today · 4.125%
HK$153,693
baseline
▲ 0.50% · 4.625%
HK$161,794
+HK$8,101/mo
Deposit HK$3.19M · loan HK$28.74M · min. income ≈ HK$307,386/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$1,357,184 · Scale 2, in force from 26 Feb 2026)