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$72,527
−HK$4,548/mo
▼ 0.25% · 3.875%
HK$74,783
−HK$2,292/mo
Today · 4.125%
HK$77,075
baseline
▲ 0.50% · 4.625%
HK$81,764
+HK$4,689/mo
Deposit HK$15.90M · loan HK$15.90M · min. income ≈ HK$154,150/mo (50% DSR)
Upfront cash ≈ HK$17.25M (deposit + AVD stamp duty HK$1,351,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,685
−HK$4,359/mo
▼ 0.25% · 3.875%
HK$82,849
−HK$2,195/mo
Today · 4.125%
HK$85,044
baseline
▲ 0.50% · 4.625%
HK$89,527
+HK$4,483/mo
Deposit HK$15.90M · loan HK$15.90M · min. income ≈ HK$170,088/mo (50% DSR)
Upfront cash ≈ HK$17.25M (deposit + AVD stamp duty HK$1,351,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,032
−HK$5,458/mo
▼ 0.25% · 3.875%
HK$89,739
−HK$2,751/mo
Today · 4.125%
HK$92,490
baseline
▲ 0.50% · 4.625%
HK$98,117
+HK$5,627/mo
Deposit HK$12.72M · loan HK$19.08M · min. income ≈ HK$184,980/mo (50% DSR)
Upfront cash ≈ HK$14.07M (deposit + AVD stamp duty HK$1,351,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,822
−HK$5,231/mo
▼ 0.25% · 3.875%
HK$99,419
−HK$2,634/mo
Today · 4.125%
HK$102,053
baseline
▲ 0.50% · 4.625%
HK$107,432
+HK$5,379/mo
Deposit HK$12.72M · loan HK$19.08M · min. income ≈ HK$204,106/mo (50% DSR)
Upfront cash ≈ HK$14.07M (deposit + AVD stamp duty HK$1,351,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,537
−HK$6,367/mo
▼ 0.25% · 3.875%
HK$104,696
−HK$3,208/mo
Today · 4.125%
HK$107,904
baseline
▲ 0.50% · 4.625%
HK$114,470
+HK$6,566/mo
Deposit HK$9.54M · loan HK$22.26M · min. income ≈ HK$215,808/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$1,351,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,959
−HK$6,103/mo
▼ 0.25% · 3.875%
HK$115,989
−HK$3,073/mo
Today · 4.125%
HK$119,062
baseline
▲ 0.50% · 4.625%
HK$125,338
+HK$6,276/mo
Deposit HK$9.54M · loan HK$22.26M · min. income ≈ HK$238,124/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$1,351,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,548
−HK$8,186/mo
▼ 0.25% · 3.875%
HK$134,609
−HK$4,125/mo
Today · 4.125%
HK$138,734
baseline
▲ 0.50% · 4.625%
HK$147,176
+HK$8,442/mo
Deposit HK$3.18M · loan HK$28.63M · min. income ≈ HK$277,468/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$1,351,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,233
−HK$7,847/mo
▼ 0.25% · 3.875%
HK$149,128
−HK$3,952/mo
Today · 4.125%
HK$153,080
baseline
▲ 0.50% · 4.625%
HK$161,149
+HK$8,069/mo
Deposit HK$3.18M · loan HK$28.63M · min. income ≈ HK$306,160/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$1,351,769 · Scale 2, in force from 26 Feb 2026)