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$72,381
−HK$4,539/mo
▼ 0.25% · 3.875%
HK$74,633
−HK$2,287/mo
Today · 4.125%
HK$76,920
baseline
▲ 0.50% · 4.625%
HK$81,601
+HK$4,681/mo
Deposit HK$15.87M · loan HK$15.87M · min. income ≈ HK$153,840/mo (50% DSR)
Upfront cash ≈ HK$17.22M (deposit + AVD stamp duty HK$1,349,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,524
−HK$4,350/mo
▼ 0.25% · 3.875%
HK$82,683
−HK$2,191/mo
Today · 4.125%
HK$84,874
baseline
▲ 0.50% · 4.625%
HK$89,348
+HK$4,474/mo
Deposit HK$15.87M · loan HK$15.87M · min. income ≈ HK$169,748/mo (50% DSR)
Upfront cash ≈ HK$17.22M (deposit + AVD stamp duty HK$1,349,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,858
−HK$5,446/mo
▼ 0.25% · 3.875%
HK$89,559
−HK$2,745/mo
Today · 4.125%
HK$92,304
baseline
▲ 0.50% · 4.625%
HK$97,921
+HK$5,617/mo
Deposit HK$12.70M · loan HK$19.05M · min. income ≈ HK$184,608/mo (50% DSR)
Upfront cash ≈ HK$14.05M (deposit + AVD stamp duty HK$1,349,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,628
−HK$5,221/mo
▼ 0.25% · 3.875%
HK$99,220
−HK$2,629/mo
Today · 4.125%
HK$101,849
baseline
▲ 0.50% · 4.625%
HK$107,217
+HK$5,368/mo
Deposit HK$12.70M · loan HK$19.05M · min. income ≈ HK$203,698/mo (50% DSR)
Upfront cash ≈ HK$14.05M (deposit + AVD stamp duty HK$1,349,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,334
−HK$6,354/mo
▼ 0.25% · 3.875%
HK$104,486
−HK$3,202/mo
Today · 4.125%
HK$107,688
baseline
▲ 0.50% · 4.625%
HK$114,241
+HK$6,553/mo
Deposit HK$9.52M · loan HK$22.22M · min. income ≈ HK$215,376/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$1,349,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,733
−HK$6,091/mo
▼ 0.25% · 3.875%
HK$115,756
−HK$3,068/mo
Today · 4.125%
HK$118,824
baseline
▲ 0.50% · 4.625%
HK$125,087
+HK$6,263/mo
Deposit HK$9.52M · loan HK$22.22M · min. income ≈ HK$237,648/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$1,349,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,286
−HK$8,171/mo
▼ 0.25% · 3.875%
HK$134,339
−HK$4,118/mo
Today · 4.125%
HK$138,457
baseline
▲ 0.50% · 4.625%
HK$146,881
+HK$8,424/mo
Deposit HK$3.17M · loan HK$28.57M · min. income ≈ HK$276,914/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$1,349,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,942
−HK$7,831/mo
▼ 0.25% · 3.875%
HK$148,830
−HK$3,943/mo
Today · 4.125%
HK$152,773
baseline
▲ 0.50% · 4.625%
HK$160,826
+HK$8,053/mo
Deposit HK$3.17M · loan HK$28.57M · min. income ≈ HK$305,546/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$1,349,062 · Scale 2, in force from 26 Feb 2026)