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$70,869
−HK$4,444/mo
▼ 0.25% · 3.875%
HK$73,073
−HK$2,240/mo
Today · 4.125%
HK$75,313
baseline
▲ 0.50% · 4.625%
HK$79,896
+HK$4,583/mo
Deposit HK$15.54M · loan HK$15.54M · min. income ≈ HK$150,626/mo (50% DSR)
Upfront cash ≈ HK$16.86M (deposit + AVD stamp duty HK$1,320,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,841
−HK$4,259/mo
▼ 0.25% · 3.875%
HK$80,955
−HK$2,145/mo
Today · 4.125%
HK$83,100
baseline
▲ 0.50% · 4.625%
HK$87,481
+HK$4,381/mo
Deposit HK$15.54M · loan HK$15.54M · min. income ≈ HK$166,200/mo (50% DSR)
Upfront cash ≈ HK$16.86M (deposit + AVD stamp duty HK$1,320,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,043
−HK$5,333/mo
▼ 0.25% · 3.875%
HK$87,688
−HK$2,688/mo
Today · 4.125%
HK$90,376
baseline
▲ 0.50% · 4.625%
HK$95,875
+HK$5,499/mo
Deposit HK$12.43M · loan HK$18.65M · min. income ≈ HK$180,752/mo (50% DSR)
Upfront cash ≈ HK$13.75M (deposit + AVD stamp duty HK$1,320,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,609
−HK$5,111/mo
▼ 0.25% · 3.875%
HK$97,146
−HK$2,574/mo
Today · 4.125%
HK$99,720
baseline
▲ 0.50% · 4.625%
HK$104,977
+HK$5,257/mo
Deposit HK$12.43M · loan HK$18.65M · min. income ≈ HK$199,440/mo (50% DSR)
Upfront cash ≈ HK$13.75M (deposit + AVD stamp duty HK$1,320,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,216
−HK$6,222/mo
▼ 0.25% · 3.875%
HK$102,303
−HK$3,135/mo
Today · 4.125%
HK$105,438
baseline
▲ 0.50% · 4.625%
HK$111,854
+HK$6,416/mo
Deposit HK$9.32M · loan HK$21.76M · min. income ≈ HK$210,876/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$1,320,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,377
−HK$5,964/mo
▼ 0.25% · 3.875%
HK$113,337
−HK$3,004/mo
Today · 4.125%
HK$116,341
baseline
▲ 0.50% · 4.625%
HK$122,473
+HK$6,132/mo
Deposit HK$9.32M · loan HK$21.76M · min. income ≈ HK$232,682/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$1,320,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,564
−HK$7,999/mo
▼ 0.25% · 3.875%
HK$131,532
−HK$4,031/mo
Today · 4.125%
HK$135,563
baseline
▲ 0.50% · 4.625%
HK$143,812
+HK$8,249/mo
Deposit HK$3.11M · loan HK$27.97M · min. income ≈ HK$271,126/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$1,320,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,914
−HK$7,667/mo
▼ 0.25% · 3.875%
HK$145,720
−HK$3,861/mo
Today · 4.125%
HK$149,581
baseline
▲ 0.50% · 4.625%
HK$157,465
+HK$7,884/mo
Deposit HK$3.11M · loan HK$27.97M · min. income ≈ HK$299,162/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$1,320,872 · Scale 2, in force from 26 Feb 2026)