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$71,359
−HK$4,475/mo
▼ 0.25% · 3.875%
HK$73,578
−HK$2,256/mo
Today · 4.125%
HK$75,834
baseline
▲ 0.50% · 4.625%
HK$80,448
+HK$4,614/mo
Deposit HK$15.65M · loan HK$15.65M · min. income ≈ HK$151,668/mo (50% DSR)
Upfront cash ≈ HK$16.98M (deposit + AVD stamp duty HK$1,330,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,386
−HK$4,289/mo
▼ 0.25% · 3.875%
HK$81,515
−HK$2,160/mo
Today · 4.125%
HK$83,675
baseline
▲ 0.50% · 4.625%
HK$88,085
+HK$4,410/mo
Deposit HK$15.65M · loan HK$15.65M · min. income ≈ HK$167,350/mo (50% DSR)
Upfront cash ≈ HK$16.98M (deposit + AVD stamp duty HK$1,330,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,630
−HK$5,370/mo
▼ 0.25% · 3.875%
HK$88,294
−HK$2,706/mo
Today · 4.125%
HK$91,000
baseline
▲ 0.50% · 4.625%
HK$96,537
+HK$5,537/mo
Deposit HK$12.52M · loan HK$18.78M · min. income ≈ HK$182,000/mo (50% DSR)
Upfront cash ≈ HK$13.85M (deposit + AVD stamp duty HK$1,330,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,263
−HK$5,147/mo
▼ 0.25% · 3.875%
HK$97,818
−HK$2,592/mo
Today · 4.125%
HK$100,410
baseline
▲ 0.50% · 4.625%
HK$105,703
+HK$5,293/mo
Deposit HK$12.52M · loan HK$18.78M · min. income ≈ HK$200,820/mo (50% DSR)
Upfront cash ≈ HK$13.85M (deposit + AVD stamp duty HK$1,330,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,902
−HK$6,265/mo
▼ 0.25% · 3.875%
HK$103,010
−HK$3,157/mo
Today · 4.125%
HK$106,167
baseline
▲ 0.50% · 4.625%
HK$112,627
+HK$6,460/mo
Deposit HK$9.39M · loan HK$21.91M · min. income ≈ HK$212,334/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$1,330,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,140
−HK$6,005/mo
▼ 0.25% · 3.875%
HK$114,121
−HK$3,024/mo
Today · 4.125%
HK$117,145
baseline
▲ 0.50% · 4.625%
HK$123,320
+HK$6,175/mo
Deposit HK$9.39M · loan HK$21.91M · min. income ≈ HK$234,290/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$1,330,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,446
−HK$8,054/mo
▼ 0.25% · 3.875%
HK$132,441
−HK$4,059/mo
Today · 4.125%
HK$136,500
baseline
▲ 0.50% · 4.625%
HK$144,806
+HK$8,306/mo
Deposit HK$3.13M · loan HK$28.16M · min. income ≈ HK$273,000/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$1,330,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,895
−HK$7,720/mo
▼ 0.25% · 3.875%
HK$146,727
−HK$3,888/mo
Today · 4.125%
HK$150,615
baseline
▲ 0.50% · 4.625%
HK$158,554
+HK$7,939/mo
Deposit HK$3.13M · loan HK$28.16M · min. income ≈ HK$301,230/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$1,330,002 · Scale 2, in force from 26 Feb 2026)