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$69,314
−HK$4,347/mo
▼ 0.25% · 3.875%
HK$71,470
−HK$2,191/mo
Today · 4.125%
HK$73,661
baseline
▲ 0.50% · 4.625%
HK$78,143
+HK$4,482/mo
Deposit HK$15.20M · loan HK$15.20M · min. income ≈ HK$147,322/mo (50% DSR)
Upfront cash ≈ HK$16.49M (deposit + AVD stamp duty HK$1,291,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,111
−HK$4,166/mo
▼ 0.25% · 3.875%
HK$79,179
−HK$2,098/mo
Today · 4.125%
HK$81,277
baseline
▲ 0.50% · 4.625%
HK$85,562
+HK$4,285/mo
Deposit HK$15.20M · loan HK$15.20M · min. income ≈ HK$162,554/mo (50% DSR)
Upfront cash ≈ HK$16.49M (deposit + AVD stamp duty HK$1,291,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,177
−HK$5,216/mo
▼ 0.25% · 3.875%
HK$85,764
−HK$2,629/mo
Today · 4.125%
HK$88,393
baseline
▲ 0.50% · 4.625%
HK$93,771
+HK$5,378/mo
Deposit HK$12.16M · loan HK$18.24M · min. income ≈ HK$176,786/mo (50% DSR)
Upfront cash ≈ HK$13.45M (deposit + AVD stamp duty HK$1,291,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,534
−HK$4,999/mo
▼ 0.25% · 3.875%
HK$95,015
−HK$2,518/mo
Today · 4.125%
HK$97,533
baseline
▲ 0.50% · 4.625%
HK$102,674
+HK$5,141/mo
Deposit HK$12.16M · loan HK$18.24M · min. income ≈ HK$195,066/mo (50% DSR)
Upfront cash ≈ HK$13.45M (deposit + AVD stamp duty HK$1,291,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,040
−HK$6,085/mo
▼ 0.25% · 3.875%
HK$100,058
−HK$3,067/mo
Today · 4.125%
HK$103,125
baseline
▲ 0.50% · 4.625%
HK$109,400
+HK$6,275/mo
Deposit HK$9.12M · loan HK$21.28M · min. income ≈ HK$206,250/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$1,291,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,956
−HK$5,832/mo
▼ 0.25% · 3.875%
HK$110,851
−HK$2,937/mo
Today · 4.125%
HK$113,788
baseline
▲ 0.50% · 4.625%
HK$119,786
+HK$5,998/mo
Deposit HK$9.12M · loan HK$21.28M · min. income ≈ HK$227,576/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$1,291,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,765
−HK$7,824/mo
▼ 0.25% · 3.875%
HK$128,646
−HK$3,943/mo
Today · 4.125%
HK$132,589
baseline
▲ 0.50% · 4.625%
HK$140,657
+HK$8,068/mo
Deposit HK$3.04M · loan HK$27.36M · min. income ≈ HK$265,178/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,291,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,800
−HK$7,499/mo
▼ 0.25% · 3.875%
HK$142,523
−HK$3,776/mo
Today · 4.125%
HK$146,299
baseline
▲ 0.50% · 4.625%
HK$154,011
+HK$7,712/mo
Deposit HK$3.04M · loan HK$27.36M · min. income ≈ HK$292,598/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,291,895 · Scale 2, in force from 26 Feb 2026)