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$70,485
−HK$4,420/mo
▼ 0.25% · 3.875%
HK$72,678
−HK$2,227/mo
Today · 4.125%
HK$74,905
baseline
▲ 0.50% · 4.625%
HK$79,463
+HK$4,558/mo
Deposit HK$15.46M · loan HK$15.46M · min. income ≈ HK$149,810/mo (50% DSR)
Upfront cash ≈ HK$16.77M (deposit + AVD stamp duty HK$1,313,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,414
−HK$4,236/mo
▼ 0.25% · 3.875%
HK$80,517
−HK$2,133/mo
Today · 4.125%
HK$82,650
baseline
▲ 0.50% · 4.625%
HK$87,007
+HK$4,357/mo
Deposit HK$15.46M · loan HK$15.46M · min. income ≈ HK$165,300/mo (50% DSR)
Upfront cash ≈ HK$16.77M (deposit + AVD stamp duty HK$1,313,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,582
−HK$5,304/mo
▼ 0.25% · 3.875%
HK$87,213
−HK$2,673/mo
Today · 4.125%
HK$89,886
baseline
▲ 0.50% · 4.625%
HK$95,355
+HK$5,469/mo
Deposit HK$12.36M · loan HK$18.55M · min. income ≈ HK$179,772/mo (50% DSR)
Upfront cash ≈ HK$13.68M (deposit + AVD stamp duty HK$1,313,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,097
−HK$5,083/mo
▼ 0.25% · 3.875%
HK$96,620
−HK$2,560/mo
Today · 4.125%
HK$99,180
baseline
▲ 0.50% · 4.625%
HK$104,408
+HK$5,228/mo
Deposit HK$12.36M · loan HK$18.55M · min. income ≈ HK$198,360/mo (50% DSR)
Upfront cash ≈ HK$13.68M (deposit + AVD stamp duty HK$1,313,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,679
−HK$6,188/mo
▼ 0.25% · 3.875%
HK$101,749
−HK$3,118/mo
Today · 4.125%
HK$104,867
baseline
▲ 0.50% · 4.625%
HK$111,248
+HK$6,381/mo
Deposit HK$9.27M · loan HK$21.64M · min. income ≈ HK$209,734/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$1,313,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,780
−HK$5,931/mo
▼ 0.25% · 3.875%
HK$112,724
−HK$2,987/mo
Today · 4.125%
HK$115,711
baseline
▲ 0.50% · 4.625%
HK$121,810
+HK$6,099/mo
Deposit HK$9.27M · loan HK$21.64M · min. income ≈ HK$231,422/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$1,313,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,873
−HK$7,956/mo
▼ 0.25% · 3.875%
HK$130,820
−HK$4,009/mo
Today · 4.125%
HK$134,829
baseline
▲ 0.50% · 4.625%
HK$143,033
+HK$8,204/mo
Deposit HK$3.09M · loan HK$27.82M · min. income ≈ HK$269,658/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,313,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,145
−HK$7,626/mo
▼ 0.25% · 3.875%
HK$144,931
−HK$3,840/mo
Today · 4.125%
HK$148,771
baseline
▲ 0.50% · 4.625%
HK$156,613
+HK$7,842/mo
Deposit HK$3.09M · loan HK$27.82M · min. income ≈ HK$297,542/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,313,719 · Scale 2, in force from 26 Feb 2026)