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$72,278
−HK$4,533/mo
▼ 0.25% · 3.875%
HK$74,526
−HK$2,285/mo
Today · 4.125%
HK$76,811
baseline
▲ 0.50% · 4.625%
HK$81,484
+HK$4,673/mo
Deposit HK$15.85M · loan HK$15.85M · min. income ≈ HK$153,622/mo (50% DSR)
Upfront cash ≈ HK$17.20M (deposit + AVD stamp duty HK$1,347,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,409
−HK$4,344/mo
▼ 0.25% · 3.875%
HK$82,565
−HK$2,188/mo
Today · 4.125%
HK$84,753
baseline
▲ 0.50% · 4.625%
HK$89,220
+HK$4,467/mo
Deposit HK$15.85M · loan HK$15.85M · min. income ≈ HK$169,506/mo (50% DSR)
Upfront cash ≈ HK$17.20M (deposit + AVD stamp duty HK$1,347,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,734
−HK$5,439/mo
▼ 0.25% · 3.875%
HK$89,432
−HK$2,741/mo
Today · 4.125%
HK$92,173
baseline
▲ 0.50% · 4.625%
HK$97,781
+HK$5,608/mo
Deposit HK$12.68M · loan HK$19.02M · min. income ≈ HK$184,346/mo (50% DSR)
Upfront cash ≈ HK$14.03M (deposit + AVD stamp duty HK$1,347,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,490
−HK$5,213/mo
▼ 0.25% · 3.875%
HK$99,078
−HK$2,625/mo
Today · 4.125%
HK$101,703
baseline
▲ 0.50% · 4.625%
HK$107,064
+HK$5,361/mo
Deposit HK$12.68M · loan HK$19.02M · min. income ≈ HK$203,406/mo (50% DSR)
Upfront cash ≈ HK$14.03M (deposit + AVD stamp duty HK$1,347,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,189
−HK$6,346/mo
▼ 0.25% · 3.875%
HK$104,337
−HK$3,198/mo
Today · 4.125%
HK$107,535
baseline
▲ 0.50% · 4.625%
HK$114,078
+HK$6,543/mo
Deposit HK$9.51M · loan HK$22.19M · min. income ≈ HK$215,070/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$1,347,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,572
−HK$6,082/mo
▼ 0.25% · 3.875%
HK$115,591
−HK$3,063/mo
Today · 4.125%
HK$118,654
baseline
▲ 0.50% · 4.625%
HK$124,908
+HK$6,254/mo
Deposit HK$9.51M · loan HK$22.19M · min. income ≈ HK$237,308/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$1,347,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,100
−HK$8,159/mo
▼ 0.25% · 3.875%
HK$134,147
−HK$4,112/mo
Today · 4.125%
HK$138,259
baseline
▲ 0.50% · 4.625%
HK$146,672
+HK$8,413/mo
Deposit HK$3.17M · loan HK$28.53M · min. income ≈ HK$276,518/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$1,347,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,735
−HK$7,820/mo
▼ 0.25% · 3.875%
HK$148,617
−HK$3,938/mo
Today · 4.125%
HK$152,555
baseline
▲ 0.50% · 4.625%
HK$160,596
+HK$8,041/mo
Deposit HK$3.17M · loan HK$28.53M · min. income ≈ HK$305,110/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$1,347,137 · Scale 2, in force from 26 Feb 2026)