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$68,513
−HK$4,297/mo
▼ 0.25% · 3.875%
HK$70,644
−HK$2,166/mo
Today · 4.125%
HK$72,810
baseline
▲ 0.50% · 4.625%
HK$77,240
+HK$4,430/mo
Deposit HK$15.02M · loan HK$15.02M · min. income ≈ HK$145,620/mo (50% DSR)
Upfront cash ≈ HK$16.30M (deposit + AVD stamp duty HK$1,276,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,220
−HK$4,118/mo
▼ 0.25% · 3.875%
HK$78,265
−HK$2,073/mo
Today · 4.125%
HK$80,338
baseline
▲ 0.50% · 4.625%
HK$84,573
+HK$4,235/mo
Deposit HK$15.02M · loan HK$15.02M · min. income ≈ HK$160,676/mo (50% DSR)
Upfront cash ≈ HK$16.30M (deposit + AVD stamp duty HK$1,276,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,216
−HK$5,156/mo
▼ 0.25% · 3.875%
HK$84,773
−HK$2,599/mo
Today · 4.125%
HK$87,372
baseline
▲ 0.50% · 4.625%
HK$92,688
+HK$5,316/mo
Deposit HK$12.02M · loan HK$18.03M · min. income ≈ HK$174,744/mo (50% DSR)
Upfront cash ≈ HK$13.30M (deposit + AVD stamp duty HK$1,276,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,464
−HK$4,942/mo
▼ 0.25% · 3.875%
HK$93,917
−HK$2,489/mo
Today · 4.125%
HK$96,406
baseline
▲ 0.50% · 4.625%
HK$101,488
+HK$5,082/mo
Deposit HK$12.02M · loan HK$18.03M · min. income ≈ HK$192,812/mo (50% DSR)
Upfront cash ≈ HK$13.30M (deposit + AVD stamp duty HK$1,276,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,919
−HK$6,015/mo
▼ 0.25% · 3.875%
HK$98,902
−HK$3,032/mo
Today · 4.125%
HK$101,934
baseline
▲ 0.50% · 4.625%
HK$108,136
+HK$6,202/mo
Deposit HK$9.01M · loan HK$21.03M · min. income ≈ HK$203,868/mo (50% DSR)
Upfront cash ≈ HK$10.29M (deposit + AVD stamp duty HK$1,276,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,708
−HK$5,766/mo
▼ 0.25% · 3.875%
HK$109,570
−HK$2,904/mo
Today · 4.125%
HK$112,474
baseline
▲ 0.50% · 4.625%
HK$118,402
+HK$5,928/mo
Deposit HK$9.01M · loan HK$21.03M · min. income ≈ HK$224,948/mo (50% DSR)
Upfront cash ≈ HK$10.29M (deposit + AVD stamp duty HK$1,276,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,324
−HK$7,733/mo
▼ 0.25% · 3.875%
HK$127,160
−HK$3,897/mo
Today · 4.125%
HK$131,057
baseline
▲ 0.50% · 4.625%
HK$139,032
+HK$7,975/mo
Deposit HK$3.00M · loan HK$27.04M · min. income ≈ HK$262,114/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$1,276,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,197
−HK$7,412/mo
▼ 0.25% · 3.875%
HK$140,876
−HK$3,733/mo
Today · 4.125%
HK$144,609
baseline
▲ 0.50% · 4.625%
HK$152,231
+HK$7,622/mo
Deposit HK$3.00M · loan HK$27.04M · min. income ≈ HK$289,218/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$1,276,968 · Scale 2, in force from 26 Feb 2026)