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$68,746
−HK$4,311/mo
▼ 0.25% · 3.875%
HK$70,885
−HK$2,172/mo
Today · 4.125%
HK$73,057
baseline
▲ 0.50% · 4.625%
HK$77,502
+HK$4,445/mo
Deposit HK$15.07M · loan HK$15.07M · min. income ≈ HK$146,114/mo (50% DSR)
Upfront cash ≈ HK$16.36M (deposit + AVD stamp duty HK$1,281,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,479
−HK$4,132/mo
▼ 0.25% · 3.875%
HK$78,531
−HK$2,080/mo
Today · 4.125%
HK$80,611
baseline
▲ 0.50% · 4.625%
HK$84,860
+HK$4,249/mo
Deposit HK$15.07M · loan HK$15.07M · min. income ≈ HK$161,222/mo (50% DSR)
Upfront cash ≈ HK$16.36M (deposit + AVD stamp duty HK$1,281,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,495
−HK$5,174/mo
▼ 0.25% · 3.875%
HK$85,061
−HK$2,608/mo
Today · 4.125%
HK$87,669
baseline
▲ 0.50% · 4.625%
HK$93,003
+HK$5,334/mo
Deposit HK$12.06M · loan HK$18.09M · min. income ≈ HK$175,338/mo (50% DSR)
Upfront cash ≈ HK$13.34M (deposit + AVD stamp duty HK$1,281,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,775
−HK$4,959/mo
▼ 0.25% · 3.875%
HK$94,237
−HK$2,497/mo
Today · 4.125%
HK$96,734
baseline
▲ 0.50% · 4.625%
HK$101,833
+HK$5,099/mo
Deposit HK$12.06M · loan HK$18.09M · min. income ≈ HK$193,468/mo (50% DSR)
Upfront cash ≈ HK$13.34M (deposit + AVD stamp duty HK$1,281,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,245
−HK$6,035/mo
▼ 0.25% · 3.875%
HK$99,238
−HK$3,042/mo
Today · 4.125%
HK$102,280
baseline
▲ 0.50% · 4.625%
HK$108,503
+HK$6,223/mo
Deposit HK$9.04M · loan HK$21.10M · min. income ≈ HK$204,560/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$1,281,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,071
−HK$5,785/mo
▼ 0.25% · 3.875%
HK$109,943
−HK$2,913/mo
Today · 4.125%
HK$112,856
baseline
▲ 0.50% · 4.625%
HK$118,805
+HK$5,949/mo
Deposit HK$9.04M · loan HK$21.10M · min. income ≈ HK$225,712/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$1,281,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,743
−HK$7,760/mo
▼ 0.25% · 3.875%
HK$127,592
−HK$3,911/mo
Today · 4.125%
HK$131,503
baseline
▲ 0.50% · 4.625%
HK$139,504
+HK$8,001/mo
Deposit HK$3.01M · loan HK$27.13M · min. income ≈ HK$263,006/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$1,281,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,663
−HK$7,437/mo
▼ 0.25% · 3.875%
HK$141,355
−HK$3,745/mo
Today · 4.125%
HK$145,100
baseline
▲ 0.50% · 4.625%
HK$152,749
+HK$7,649/mo
Deposit HK$3.01M · loan HK$27.13M · min. income ≈ HK$290,200/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$1,281,308 · Scale 2, in force from 26 Feb 2026)