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$72,571
−HK$4,550/mo
▼ 0.25% · 3.875%
HK$74,828
−HK$2,293/mo
Today · 4.125%
HK$77,121
baseline
▲ 0.50% · 4.625%
HK$81,814
+HK$4,693/mo
Deposit HK$15.91M · loan HK$15.91M · min. income ≈ HK$154,242/mo (50% DSR)
Upfront cash ≈ HK$17.27M (deposit + AVD stamp duty HK$1,352,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,734
−HK$4,362/mo
▼ 0.25% · 3.875%
HK$82,899
−HK$2,197/mo
Today · 4.125%
HK$85,096
baseline
▲ 0.50% · 4.625%
HK$89,581
+HK$4,485/mo
Deposit HK$15.91M · loan HK$15.91M · min. income ≈ HK$170,192/mo (50% DSR)
Upfront cash ≈ HK$17.27M (deposit + AVD stamp duty HK$1,352,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,085
−HK$5,461/mo
▼ 0.25% · 3.875%
HK$89,794
−HK$2,752/mo
Today · 4.125%
HK$92,546
baseline
▲ 0.50% · 4.625%
HK$98,177
+HK$5,631/mo
Deposit HK$12.73M · loan HK$19.10M · min. income ≈ HK$185,092/mo (50% DSR)
Upfront cash ≈ HK$14.08M (deposit + AVD stamp duty HK$1,352,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,881
−HK$5,234/mo
▼ 0.25% · 3.875%
HK$99,479
−HK$2,636/mo
Today · 4.125%
HK$102,115
baseline
▲ 0.50% · 4.625%
HK$107,498
+HK$5,383/mo
Deposit HK$12.73M · loan HK$19.10M · min. income ≈ HK$204,230/mo (50% DSR)
Upfront cash ≈ HK$14.08M (deposit + AVD stamp duty HK$1,352,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,599
−HK$6,371/mo
▼ 0.25% · 3.875%
HK$104,759
−HK$3,211/mo
Today · 4.125%
HK$107,970
baseline
▲ 0.50% · 4.625%
HK$114,540
+HK$6,570/mo
Deposit HK$9.55M · loan HK$22.28M · min. income ≈ HK$215,940/mo (50% DSR)
Upfront cash ≈ HK$10.90M (deposit + AVD stamp duty HK$1,352,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,028
−HK$6,106/mo
▼ 0.25% · 3.875%
HK$116,059
−HK$3,075/mo
Today · 4.125%
HK$119,134
baseline
▲ 0.50% · 4.625%
HK$125,414
+HK$6,280/mo
Deposit HK$9.55M · loan HK$22.28M · min. income ≈ HK$238,268/mo (50% DSR)
Upfront cash ≈ HK$10.90M (deposit + AVD stamp duty HK$1,352,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,627
−HK$8,192/mo
▼ 0.25% · 3.875%
HK$134,690
−HK$4,129/mo
Today · 4.125%
HK$138,819
baseline
▲ 0.50% · 4.625%
HK$147,265
+HK$8,446/mo
Deposit HK$3.18M · loan HK$28.64M · min. income ≈ HK$277,638/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$1,352,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,321
−HK$7,852/mo
▼ 0.25% · 3.875%
HK$149,219
−HK$3,954/mo
Today · 4.125%
HK$153,173
baseline
▲ 0.50% · 4.625%
HK$161,247
+HK$8,074/mo
Deposit HK$3.18M · loan HK$28.64M · min. income ≈ HK$306,346/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$1,352,591 · Scale 2, in force from 26 Feb 2026)