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$71,970
−HK$4,513/mo
▼ 0.25% · 3.875%
HK$74,209
−HK$2,274/mo
Today · 4.125%
HK$76,483
baseline
▲ 0.50% · 4.625%
HK$81,137
+HK$4,654/mo
Deposit HK$15.78M · loan HK$15.78M · min. income ≈ HK$152,966/mo (50% DSR)
Upfront cash ≈ HK$17.12M (deposit + AVD stamp duty HK$1,341,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,066
−HK$4,326/mo
▼ 0.25% · 3.875%
HK$82,213
−HK$2,179/mo
Today · 4.125%
HK$84,392
baseline
▲ 0.50% · 4.625%
HK$88,840
+HK$4,448/mo
Deposit HK$15.78M · loan HK$15.78M · min. income ≈ HK$168,784/mo (50% DSR)
Upfront cash ≈ HK$17.12M (deposit + AVD stamp duty HK$1,341,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,364
−HK$5,416/mo
▼ 0.25% · 3.875%
HK$89,050
−HK$2,730/mo
Today · 4.125%
HK$91,780
baseline
▲ 0.50% · 4.625%
HK$97,364
+HK$5,584/mo
Deposit HK$12.62M · loan HK$18.94M · min. income ≈ HK$183,560/mo (50% DSR)
Upfront cash ≈ HK$13.97M (deposit + AVD stamp duty HK$1,341,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,079
−HK$5,191/mo
▼ 0.25% · 3.875%
HK$98,656
−HK$2,614/mo
Today · 4.125%
HK$101,270
baseline
▲ 0.50% · 4.625%
HK$106,608
+HK$5,338/mo
Deposit HK$12.62M · loan HK$18.94M · min. income ≈ HK$202,540/mo (50% DSR)
Upfront cash ≈ HK$13.97M (deposit + AVD stamp duty HK$1,341,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,758
−HK$6,319/mo
▼ 0.25% · 3.875%
HK$103,892
−HK$3,185/mo
Today · 4.125%
HK$107,077
baseline
▲ 0.50% · 4.625%
HK$113,592
+HK$6,515/mo
Deposit HK$9.47M · loan HK$22.09M · min. income ≈ HK$214,154/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$1,341,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,092
−HK$6,056/mo
▼ 0.25% · 3.875%
HK$115,099
−HK$3,049/mo
Today · 4.125%
HK$118,148
baseline
▲ 0.50% · 4.625%
HK$124,376
+HK$6,228/mo
Deposit HK$9.47M · loan HK$22.09M · min. income ≈ HK$236,296/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$1,341,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,546
−HK$8,124/mo
▼ 0.25% · 3.875%
HK$133,576
−HK$4,094/mo
Today · 4.125%
HK$137,670
baseline
▲ 0.50% · 4.625%
HK$146,047
+HK$8,377/mo
Deposit HK$3.16M · loan HK$28.41M · min. income ≈ HK$275,340/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$1,341,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,119
−HK$7,786/mo
▼ 0.25% · 3.875%
HK$147,984
−HK$3,921/mo
Today · 4.125%
HK$151,905
baseline
▲ 0.50% · 4.625%
HK$159,912
+HK$8,007/mo
Deposit HK$3.16M · loan HK$28.41M · min. income ≈ HK$303,810/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$1,341,397 · Scale 2, in force from 26 Feb 2026)