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$70,032
−HK$4,391/mo
▼ 0.25% · 3.875%
HK$72,210
−HK$2,213/mo
Today · 4.125%
HK$74,423
baseline
▲ 0.50% · 4.625%
HK$78,952
+HK$4,529/mo
Deposit HK$15.36M · loan HK$15.36M · min. income ≈ HK$148,846/mo (50% DSR)
Upfront cash ≈ HK$16.66M (deposit + AVD stamp duty HK$1,305,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,910
−HK$4,209/mo
▼ 0.25% · 3.875%
HK$79,999
−HK$2,120/mo
Today · 4.125%
HK$82,119
baseline
▲ 0.50% · 4.625%
HK$86,448
+HK$4,329/mo
Deposit HK$15.36M · loan HK$15.36M · min. income ≈ HK$164,238/mo (50% DSR)
Upfront cash ≈ HK$16.66M (deposit + AVD stamp duty HK$1,305,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,038
−HK$5,270/mo
▼ 0.25% · 3.875%
HK$86,652
−HK$2,656/mo
Today · 4.125%
HK$89,308
baseline
▲ 0.50% · 4.625%
HK$94,742
+HK$5,434/mo
Deposit HK$12.28M · loan HK$18.43M · min. income ≈ HK$178,616/mo (50% DSR)
Upfront cash ≈ HK$13.59M (deposit + AVD stamp duty HK$1,305,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,492
−HK$5,051/mo
▼ 0.25% · 3.875%
HK$95,999
−HK$2,544/mo
Today · 4.125%
HK$98,543
baseline
▲ 0.50% · 4.625%
HK$103,737
+HK$5,194/mo
Deposit HK$12.28M · loan HK$18.43M · min. income ≈ HK$197,086/mo (50% DSR)
Upfront cash ≈ HK$13.59M (deposit + AVD stamp duty HK$1,305,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,045
−HK$6,148/mo
▼ 0.25% · 3.875%
HK$101,094
−HK$3,099/mo
Today · 4.125%
HK$104,193
baseline
▲ 0.50% · 4.625%
HK$110,533
+HK$6,340/mo
Deposit HK$9.21M · loan HK$21.50M · min. income ≈ HK$208,386/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$1,305,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,074
−HK$5,893/mo
▼ 0.25% · 3.875%
HK$111,999
−HK$2,968/mo
Today · 4.125%
HK$114,967
baseline
▲ 0.50% · 4.625%
HK$121,027
+HK$6,060/mo
Deposit HK$9.21M · loan HK$21.50M · min. income ≈ HK$229,934/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$1,305,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,057
−HK$7,905/mo
▼ 0.25% · 3.875%
HK$129,978
−HK$3,984/mo
Today · 4.125%
HK$133,962
baseline
▲ 0.50% · 4.625%
HK$142,114
+HK$8,152/mo
Deposit HK$3.07M · loan HK$27.64M · min. income ≈ HK$267,924/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,305,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,238
−HK$7,576/mo
▼ 0.25% · 3.875%
HK$143,999
−HK$3,815/mo
Today · 4.125%
HK$147,814
baseline
▲ 0.50% · 4.625%
HK$155,606
+HK$7,792/mo
Deposit HK$3.07M · loan HK$27.64M · min. income ≈ HK$295,628/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,305,272 · Scale 2, in force from 26 Feb 2026)