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$71,718
−HK$4,498/mo
▼ 0.25% · 3.875%
HK$73,949
−HK$2,267/mo
Today · 4.125%
HK$76,216
baseline
▲ 0.50% · 4.625%
HK$80,853
+HK$4,637/mo
Deposit HK$15.73M · loan HK$15.73M · min. income ≈ HK$152,432/mo (50% DSR)
Upfront cash ≈ HK$17.06M (deposit + AVD stamp duty HK$1,336,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,786
−HK$4,310/mo
▼ 0.25% · 3.875%
HK$81,926
−HK$2,170/mo
Today · 4.125%
HK$84,096
baseline
▲ 0.50% · 4.625%
HK$88,529
+HK$4,433/mo
Deposit HK$15.73M · loan HK$15.73M · min. income ≈ HK$168,192/mo (50% DSR)
Upfront cash ≈ HK$17.06M (deposit + AVD stamp duty HK$1,336,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,062
−HK$5,397/mo
▼ 0.25% · 3.875%
HK$88,739
−HK$2,720/mo
Today · 4.125%
HK$91,459
baseline
▲ 0.50% · 4.625%
HK$97,024
+HK$5,565/mo
Deposit HK$12.58M · loan HK$18.87M · min. income ≈ HK$182,918/mo (50% DSR)
Upfront cash ≈ HK$13.92M (deposit + AVD stamp duty HK$1,336,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,743
−HK$5,173/mo
▼ 0.25% · 3.875%
HK$98,311
−HK$2,605/mo
Today · 4.125%
HK$100,916
baseline
▲ 0.50% · 4.625%
HK$106,235
+HK$5,319/mo
Deposit HK$12.58M · loan HK$18.87M · min. income ≈ HK$201,832/mo (50% DSR)
Upfront cash ≈ HK$13.92M (deposit + AVD stamp duty HK$1,336,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,406
−HK$6,296/mo
▼ 0.25% · 3.875%
HK$103,529
−HK$3,173/mo
Today · 4.125%
HK$106,702
baseline
▲ 0.50% · 4.625%
HK$113,194
+HK$6,492/mo
Deposit HK$9.44M · loan HK$22.02M · min. income ≈ HK$213,404/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$1,336,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,700
−HK$6,035/mo
▼ 0.25% · 3.875%
HK$114,696
−HK$3,039/mo
Today · 4.125%
HK$117,735
baseline
▲ 0.50% · 4.625%
HK$123,941
+HK$6,206/mo
Deposit HK$9.44M · loan HK$22.02M · min. income ≈ HK$235,470/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$1,336,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,093
−HK$8,095/mo
▼ 0.25% · 3.875%
HK$133,108
−HK$4,080/mo
Today · 4.125%
HK$137,188
baseline
▲ 0.50% · 4.625%
HK$145,536
+HK$8,348/mo
Deposit HK$3.15M · loan HK$28.31M · min. income ≈ HK$274,376/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$1,336,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,615
−HK$7,759/mo
▼ 0.25% · 3.875%
HK$147,466
−HK$3,908/mo
Today · 4.125%
HK$151,374
baseline
▲ 0.50% · 4.625%
HK$159,353
+HK$7,979/mo
Deposit HK$3.15M · loan HK$28.31M · min. income ≈ HK$302,748/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$1,336,704 · Scale 2, in force from 26 Feb 2026)