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$69,204
−HK$4,339/mo
▼ 0.25% · 3.875%
HK$71,356
−HK$2,187/mo
Today · 4.125%
HK$73,543
baseline
▲ 0.50% · 4.625%
HK$78,018
+HK$4,475/mo
Deposit HK$15.17M · loan HK$15.17M · min. income ≈ HK$147,086/mo (50% DSR)
Upfront cash ≈ HK$16.46M (deposit + AVD stamp duty HK$1,289,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,988
−HK$4,160/mo
▼ 0.25% · 3.875%
HK$79,053
−HK$2,095/mo
Today · 4.125%
HK$81,148
baseline
▲ 0.50% · 4.625%
HK$85,425
+HK$4,277/mo
Deposit HK$15.17M · loan HK$15.17M · min. income ≈ HK$162,296/mo (50% DSR)
Upfront cash ≈ HK$16.46M (deposit + AVD stamp duty HK$1,289,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,044
−HK$5,208/mo
▼ 0.25% · 3.875%
HK$85,627
−HK$2,625/mo
Today · 4.125%
HK$88,252
baseline
▲ 0.50% · 4.625%
HK$93,622
+HK$5,370/mo
Deposit HK$12.14M · loan HK$18.21M · min. income ≈ HK$176,504/mo (50% DSR)
Upfront cash ≈ HK$13.43M (deposit + AVD stamp duty HK$1,289,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,386
−HK$4,991/mo
▼ 0.25% · 3.875%
HK$94,864
−HK$2,513/mo
Today · 4.125%
HK$97,377
baseline
▲ 0.50% · 4.625%
HK$102,510
+HK$5,133/mo
Deposit HK$12.14M · loan HK$18.21M · min. income ≈ HK$194,754/mo (50% DSR)
Upfront cash ≈ HK$13.43M (deposit + AVD stamp duty HK$1,289,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,885
−HK$6,076/mo
▼ 0.25% · 3.875%
HK$99,899
−HK$3,062/mo
Today · 4.125%
HK$102,961
baseline
▲ 0.50% · 4.625%
HK$109,225
+HK$6,264/mo
Deposit HK$9.10M · loan HK$21.24M · min. income ≈ HK$205,922/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$1,289,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,784
−HK$5,823/mo
▼ 0.25% · 3.875%
HK$110,674
−HK$2,933/mo
Today · 4.125%
HK$113,607
baseline
▲ 0.50% · 4.625%
HK$119,595
+HK$5,988/mo
Deposit HK$9.10M · loan HK$21.24M · min. income ≈ HK$227,214/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$1,289,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,566
−HK$7,812/mo
▼ 0.25% · 3.875%
HK$128,441
−HK$3,937/mo
Today · 4.125%
HK$132,378
baseline
▲ 0.50% · 4.625%
HK$140,433
+HK$8,055/mo
Deposit HK$3.03M · loan HK$27.31M · min. income ≈ HK$264,756/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$1,289,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,579
−HK$7,487/mo
▼ 0.25% · 3.875%
HK$142,296
−HK$3,770/mo
Today · 4.125%
HK$146,066
baseline
▲ 0.50% · 4.625%
HK$153,765
+HK$7,699/mo
Deposit HK$3.03M · loan HK$27.31M · min. income ≈ HK$292,132/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$1,289,834 · Scale 2, in force from 26 Feb 2026)