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$72,321
−HK$4,535/mo
▼ 0.25% · 3.875%
HK$74,570
−HK$2,286/mo
Today · 4.125%
HK$76,856
baseline
▲ 0.50% · 4.625%
HK$81,532
+HK$4,676/mo
Deposit HK$15.86M · loan HK$15.86M · min. income ≈ HK$153,712/mo (50% DSR)
Upfront cash ≈ HK$17.21M (deposit + AVD stamp duty HK$1,347,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,456
−HK$4,347/mo
▼ 0.25% · 3.875%
HK$82,614
−HK$2,189/mo
Today · 4.125%
HK$84,803
baseline
▲ 0.50% · 4.625%
HK$89,273
+HK$4,470/mo
Deposit HK$15.86M · loan HK$15.86M · min. income ≈ HK$169,606/mo (50% DSR)
Upfront cash ≈ HK$17.21M (deposit + AVD stamp duty HK$1,347,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,785
−HK$5,442/mo
▼ 0.25% · 3.875%
HK$89,484
−HK$2,743/mo
Today · 4.125%
HK$92,227
baseline
▲ 0.50% · 4.625%
HK$97,839
+HK$5,612/mo
Deposit HK$12.69M · loan HK$19.03M · min. income ≈ HK$184,454/mo (50% DSR)
Upfront cash ≈ HK$14.03M (deposit + AVD stamp duty HK$1,347,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,547
−HK$5,216/mo
▼ 0.25% · 3.875%
HK$99,137
−HK$2,626/mo
Today · 4.125%
HK$101,763
baseline
▲ 0.50% · 4.625%
HK$107,128
+HK$5,365/mo
Deposit HK$12.69M · loan HK$19.03M · min. income ≈ HK$203,526/mo (50% DSR)
Upfront cash ≈ HK$14.03M (deposit + AVD stamp duty HK$1,347,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,249
−HK$6,349/mo
▼ 0.25% · 3.875%
HK$104,398
−HK$3,200/mo
Today · 4.125%
HK$107,598
baseline
▲ 0.50% · 4.625%
HK$114,145
+HK$6,547/mo
Deposit HK$9.51M · loan HK$22.20M · min. income ≈ HK$215,196/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$1,347,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,639
−HK$6,085/mo
▼ 0.25% · 3.875%
HK$115,659
−HK$3,065/mo
Today · 4.125%
HK$118,724
baseline
▲ 0.50% · 4.625%
HK$124,982
+HK$6,258/mo
Deposit HK$9.51M · loan HK$22.20M · min. income ≈ HK$237,448/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$1,347,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,177
−HK$8,164/mo
▼ 0.25% · 3.875%
HK$134,227
−HK$4,114/mo
Today · 4.125%
HK$138,341
baseline
▲ 0.50% · 4.625%
HK$146,758
+HK$8,417/mo
Deposit HK$3.17M · loan HK$28.54M · min. income ≈ HK$276,682/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$1,347,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,821
−HK$7,824/mo
▼ 0.25% · 3.875%
HK$148,705
−HK$3,940/mo
Today · 4.125%
HK$152,645
baseline
▲ 0.50% · 4.625%
HK$160,691
+HK$8,046/mo
Deposit HK$3.17M · loan HK$28.54M · min. income ≈ HK$305,290/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$1,347,933 · Scale 2, in force from 26 Feb 2026)