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$70,249
−HK$4,405/mo
▼ 0.25% · 3.875%
HK$72,434
−HK$2,220/mo
Today · 4.125%
HK$74,654
baseline
▲ 0.50% · 4.625%
HK$79,197
+HK$4,543/mo
Deposit HK$15.40M · loan HK$15.40M · min. income ≈ HK$149,308/mo (50% DSR)
Upfront cash ≈ HK$16.71M (deposit + AVD stamp duty HK$1,309,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,151
−HK$4,223/mo
▼ 0.25% · 3.875%
HK$80,247
−HK$2,127/mo
Today · 4.125%
HK$82,374
baseline
▲ 0.50% · 4.625%
HK$86,716
+HK$4,342/mo
Deposit HK$15.40M · loan HK$15.40M · min. income ≈ HK$164,748/mo (50% DSR)
Upfront cash ≈ HK$16.71M (deposit + AVD stamp duty HK$1,309,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,299
−HK$5,286/mo
▼ 0.25% · 3.875%
HK$86,921
−HK$2,664/mo
Today · 4.125%
HK$89,585
baseline
▲ 0.50% · 4.625%
HK$95,036
+HK$5,451/mo
Deposit HK$12.32M · loan HK$18.48M · min. income ≈ HK$179,170/mo (50% DSR)
Upfront cash ≈ HK$13.63M (deposit + AVD stamp duty HK$1,309,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,782
−HK$5,067/mo
▼ 0.25% · 3.875%
HK$96,297
−HK$2,552/mo
Today · 4.125%
HK$98,849
baseline
▲ 0.50% · 4.625%
HK$104,059
+HK$5,210/mo
Deposit HK$12.32M · loan HK$18.48M · min. income ≈ HK$197,698/mo (50% DSR)
Upfront cash ≈ HK$13.63M (deposit + AVD stamp duty HK$1,309,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,349
−HK$6,167/mo
▼ 0.25% · 3.875%
HK$101,408
−HK$3,108/mo
Today · 4.125%
HK$104,516
baseline
▲ 0.50% · 4.625%
HK$110,876
+HK$6,360/mo
Deposit HK$9.24M · loan HK$21.57M · min. income ≈ HK$209,032/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$1,309,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,412
−HK$5,911/mo
▼ 0.25% · 3.875%
HK$112,346
−HK$2,977/mo
Today · 4.125%
HK$115,323
baseline
▲ 0.50% · 4.625%
HK$121,402
+HK$6,079/mo
Deposit HK$9.24M · loan HK$21.57M · min. income ≈ HK$230,646/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$1,309,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,448
−HK$7,930/mo
▼ 0.25% · 3.875%
HK$130,382
−HK$3,996/mo
Today · 4.125%
HK$134,378
baseline
▲ 0.50% · 4.625%
HK$142,554
+HK$8,176/mo
Deposit HK$3.08M · loan HK$27.73M · min. income ≈ HK$268,756/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,309,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,673
−HK$7,600/mo
▼ 0.25% · 3.875%
HK$144,445
−HK$3,828/mo
Today · 4.125%
HK$148,273
baseline
▲ 0.50% · 4.625%
HK$156,088
+HK$7,815/mo
Deposit HK$3.08M · loan HK$27.73M · min. income ≈ HK$296,546/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,309,322 · Scale 2, in force from 26 Feb 2026)