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$73,254
−HK$4,594/mo
▼ 0.25% · 3.875%
HK$75,533
−HK$2,315/mo
Today · 4.125%
HK$77,848
baseline
▲ 0.50% · 4.625%
HK$82,585
+HK$4,737/mo
Deposit HK$16.06M · loan HK$16.06M · min. income ≈ HK$155,696/mo (50% DSR)
Upfront cash ≈ HK$17.43M (deposit + AVD stamp duty HK$1,365,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,495
−HK$4,403/mo
▼ 0.25% · 3.875%
HK$83,681
−HK$2,217/mo
Today · 4.125%
HK$85,898
baseline
▲ 0.50% · 4.625%
HK$90,426
+HK$4,528/mo
Deposit HK$16.06M · loan HK$16.06M · min. income ≈ HK$171,796/mo (50% DSR)
Upfront cash ≈ HK$17.43M (deposit + AVD stamp duty HK$1,365,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,905
−HK$5,513/mo
▼ 0.25% · 3.875%
HK$90,640
−HK$2,778/mo
Today · 4.125%
HK$93,418
baseline
▲ 0.50% · 4.625%
HK$99,102
+HK$5,684/mo
Deposit HK$12.85M · loan HK$19.28M · min. income ≈ HK$186,836/mo (50% DSR)
Upfront cash ≈ HK$14.22M (deposit + AVD stamp duty HK$1,365,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,794
−HK$5,283/mo
▼ 0.25% · 3.875%
HK$100,417
−HK$2,660/mo
Today · 4.125%
HK$103,077
baseline
▲ 0.50% · 4.625%
HK$108,511
+HK$5,434/mo
Deposit HK$12.85M · loan HK$19.28M · min. income ≈ HK$206,154/mo (50% DSR)
Upfront cash ≈ HK$14.22M (deposit + AVD stamp duty HK$1,365,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,556
−HK$6,431/mo
▼ 0.25% · 3.875%
HK$105,746
−HK$3,241/mo
Today · 4.125%
HK$108,987
baseline
▲ 0.50% · 4.625%
HK$115,619
+HK$6,632/mo
Deposit HK$9.64M · loan HK$22.49M · min. income ≈ HK$217,974/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$1,365,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,093
−HK$6,164/mo
▼ 0.25% · 3.875%
HK$117,153
−HK$3,104/mo
Today · 4.125%
HK$120,257
baseline
▲ 0.50% · 4.625%
HK$126,596
+HK$6,339/mo
Deposit HK$9.64M · loan HK$22.49M · min. income ≈ HK$240,514/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$1,365,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,858
−HK$8,269/mo
▼ 0.25% · 3.875%
HK$135,960
−HK$4,167/mo
Today · 4.125%
HK$140,127
baseline
▲ 0.50% · 4.625%
HK$148,653
+HK$8,526/mo
Deposit HK$3.21M · loan HK$28.91M · min. income ≈ HK$280,254/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$1,365,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,691
−HK$7,925/mo
▼ 0.25% · 3.875%
HK$150,625
−HK$3,991/mo
Today · 4.125%
HK$154,616
baseline
▲ 0.50% · 4.625%
HK$162,766
+HK$8,150/mo
Deposit HK$3.21M · loan HK$28.91M · min. income ≈ HK$309,232/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$1,365,336 · Scale 2, in force from 26 Feb 2026)