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$69,251
−HK$4,343/mo
▼ 0.25% · 3.875%
HK$71,405
−HK$2,189/mo
Today · 4.125%
HK$73,594
baseline
▲ 0.50% · 4.625%
HK$78,072
+HK$4,478/mo
Deposit HK$15.18M · loan HK$15.18M · min. income ≈ HK$147,188/mo (50% DSR)
Upfront cash ≈ HK$16.48M (deposit + AVD stamp duty HK$1,290,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,041
−HK$4,163/mo
▼ 0.25% · 3.875%
HK$79,107
−HK$2,097/mo
Today · 4.125%
HK$81,204
baseline
▲ 0.50% · 4.625%
HK$85,484
+HK$4,280/mo
Deposit HK$15.18M · loan HK$15.18M · min. income ≈ HK$162,408/mo (50% DSR)
Upfront cash ≈ HK$16.48M (deposit + AVD stamp duty HK$1,290,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,101
−HK$5,212/mo
▼ 0.25% · 3.875%
HK$85,686
−HK$2,627/mo
Today · 4.125%
HK$88,313
baseline
▲ 0.50% · 4.625%
HK$93,686
+HK$5,373/mo
Deposit HK$12.15M · loan HK$18.22M · min. income ≈ HK$176,626/mo (50% DSR)
Upfront cash ≈ HK$13.44M (deposit + AVD stamp duty HK$1,290,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,449
−HK$4,995/mo
▼ 0.25% · 3.875%
HK$94,929
−HK$2,515/mo
Today · 4.125%
HK$97,444
baseline
▲ 0.50% · 4.625%
HK$102,581
+HK$5,137/mo
Deposit HK$12.15M · loan HK$18.22M · min. income ≈ HK$194,888/mo (50% DSR)
Upfront cash ≈ HK$13.44M (deposit + AVD stamp duty HK$1,290,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,952
−HK$6,079/mo
▼ 0.25% · 3.875%
HK$99,967
−HK$3,064/mo
Today · 4.125%
HK$103,031
baseline
▲ 0.50% · 4.625%
HK$109,301
+HK$6,270/mo
Deposit HK$9.11M · loan HK$21.26M · min. income ≈ HK$206,062/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$1,290,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,858
−HK$5,827/mo
▼ 0.25% · 3.875%
HK$110,750
−HK$2,935/mo
Today · 4.125%
HK$113,685
baseline
▲ 0.50% · 4.625%
HK$119,677
+HK$5,992/mo
Deposit HK$9.11M · loan HK$21.26M · min. income ≈ HK$227,370/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$1,290,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,652
−HK$7,817/mo
▼ 0.25% · 3.875%
HK$128,529
−HK$3,940/mo
Today · 4.125%
HK$132,469
baseline
▲ 0.50% · 4.625%
HK$140,529
+HK$8,060/mo
Deposit HK$3.04M · loan HK$27.33M · min. income ≈ HK$264,938/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,290,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,674
−HK$7,492/mo
▼ 0.25% · 3.875%
HK$142,393
−HK$3,773/mo
Today · 4.125%
HK$146,166
baseline
▲ 0.50% · 4.625%
HK$153,871
+HK$7,705/mo
Deposit HK$3.04M · loan HK$27.33M · min. income ≈ HK$292,332/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,290,721 · Scale 2, in force from 26 Feb 2026)