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$72,602
−HK$4,552/mo
▼ 0.25% · 3.875%
HK$74,860
−HK$2,294/mo
Today · 4.125%
HK$77,154
baseline
▲ 0.50% · 4.625%
HK$81,849
+HK$4,695/mo
Deposit HK$15.92M · loan HK$15.92M · min. income ≈ HK$154,308/mo (50% DSR)
Upfront cash ≈ HK$17.27M (deposit + AVD stamp duty HK$1,353,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,769
−HK$4,363/mo
▼ 0.25% · 3.875%
HK$82,935
−HK$2,197/mo
Today · 4.125%
HK$85,132
baseline
▲ 0.50% · 4.625%
HK$89,620
+HK$4,488/mo
Deposit HK$15.92M · loan HK$15.92M · min. income ≈ HK$170,264/mo (50% DSR)
Upfront cash ≈ HK$17.27M (deposit + AVD stamp duty HK$1,353,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,122
−HK$5,463/mo
▼ 0.25% · 3.875%
HK$89,832
−HK$2,753/mo
Today · 4.125%
HK$92,585
baseline
▲ 0.50% · 4.625%
HK$98,219
+HK$5,634/mo
Deposit HK$12.74M · loan HK$19.10M · min. income ≈ HK$185,170/mo (50% DSR)
Upfront cash ≈ HK$14.09M (deposit + AVD stamp duty HK$1,353,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,922
−HK$5,237/mo
▼ 0.25% · 3.875%
HK$99,522
−HK$2,637/mo
Today · 4.125%
HK$102,159
baseline
▲ 0.50% · 4.625%
HK$107,544
+HK$5,385/mo
Deposit HK$12.74M · loan HK$19.10M · min. income ≈ HK$204,318/mo (50% DSR)
Upfront cash ≈ HK$14.09M (deposit + AVD stamp duty HK$1,353,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,642
−HK$6,374/mo
▼ 0.25% · 3.875%
HK$104,804
−HK$3,212/mo
Today · 4.125%
HK$108,016
baseline
▲ 0.50% · 4.625%
HK$114,589
+HK$6,573/mo
Deposit HK$9.55M · loan HK$22.29M · min. income ≈ HK$216,032/mo (50% DSR)
Upfront cash ≈ HK$10.90M (deposit + AVD stamp duty HK$1,353,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,076
−HK$6,109/mo
▼ 0.25% · 3.875%
HK$116,109
−HK$3,076/mo
Today · 4.125%
HK$119,185
baseline
▲ 0.50% · 4.625%
HK$125,468
+HK$6,283/mo
Deposit HK$9.55M · loan HK$22.29M · min. income ≈ HK$238,370/mo (50% DSR)
Upfront cash ≈ HK$10.90M (deposit + AVD stamp duty HK$1,353,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,683
−HK$8,195/mo
▼ 0.25% · 3.875%
HK$134,748
−HK$4,130/mo
Today · 4.125%
HK$138,878
baseline
▲ 0.50% · 4.625%
HK$147,328
+HK$8,450/mo
Deposit HK$3.18M · loan HK$28.66M · min. income ≈ HK$277,756/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$1,353,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,384
−HK$7,854/mo
▼ 0.25% · 3.875%
HK$149,283
−HK$3,955/mo
Today · 4.125%
HK$153,238
baseline
▲ 0.50% · 4.625%
HK$161,316
+HK$8,078/mo
Deposit HK$3.18M · loan HK$28.66M · min. income ≈ HK$306,476/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$1,353,170 · Scale 2, in force from 26 Feb 2026)