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$73,459
−HK$4,607/mo
▼ 0.25% · 3.875%
HK$75,744
−HK$2,322/mo
Today · 4.125%
HK$78,066
baseline
▲ 0.50% · 4.625%
HK$82,816
+HK$4,750/mo
Deposit HK$16.11M · loan HK$16.11M · min. income ≈ HK$156,132/mo (50% DSR)
Upfront cash ≈ HK$17.48M (deposit + AVD stamp duty HK$1,369,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,723
−HK$4,415/mo
▼ 0.25% · 3.875%
HK$83,915
−HK$2,223/mo
Today · 4.125%
HK$86,138
baseline
▲ 0.50% · 4.625%
HK$90,678
+HK$4,540/mo
Deposit HK$16.11M · loan HK$16.11M · min. income ≈ HK$172,276/mo (50% DSR)
Upfront cash ≈ HK$17.48M (deposit + AVD stamp duty HK$1,369,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,151
−HK$5,528/mo
▼ 0.25% · 3.875%
HK$90,893
−HK$2,786/mo
Today · 4.125%
HK$93,679
baseline
▲ 0.50% · 4.625%
HK$99,379
+HK$5,700/mo
Deposit HK$12.89M · loan HK$19.33M · min. income ≈ HK$187,358/mo (50% DSR)
Upfront cash ≈ HK$14.26M (deposit + AVD stamp duty HK$1,369,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,067
−HK$5,299/mo
▼ 0.25% · 3.875%
HK$100,697
−HK$2,669/mo
Today · 4.125%
HK$103,366
baseline
▲ 0.50% · 4.625%
HK$108,814
+HK$5,448/mo
Deposit HK$12.89M · loan HK$19.33M · min. income ≈ HK$206,732/mo (50% DSR)
Upfront cash ≈ HK$14.26M (deposit + AVD stamp duty HK$1,369,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,843
−HK$6,449/mo
▼ 0.25% · 3.875%
HK$106,042
−HK$3,250/mo
Today · 4.125%
HK$109,292
baseline
▲ 0.50% · 4.625%
HK$115,942
+HK$6,650/mo
Deposit HK$9.66M · loan HK$22.55M · min. income ≈ HK$218,584/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$1,369,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,412
−HK$6,181/mo
▼ 0.25% · 3.875%
HK$117,480
−HK$3,113/mo
Today · 4.125%
HK$120,593
baseline
▲ 0.50% · 4.625%
HK$126,950
+HK$6,357/mo
Deposit HK$9.66M · loan HK$22.55M · min. income ≈ HK$241,186/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$1,369,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,227
−HK$8,292/mo
▼ 0.25% · 3.875%
HK$136,340
−HK$4,179/mo
Today · 4.125%
HK$140,519
baseline
▲ 0.50% · 4.625%
HK$149,069
+HK$8,550/mo
Deposit HK$3.22M · loan HK$28.99M · min. income ≈ HK$281,038/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$1,369,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,101
−HK$7,947/mo
▼ 0.25% · 3.875%
HK$151,046
−HK$4,002/mo
Today · 4.125%
HK$155,048
baseline
▲ 0.50% · 4.625%
HK$163,221
+HK$8,173/mo
Deposit HK$3.22M · loan HK$28.99M · min. income ≈ HK$310,096/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$1,369,155 · Scale 2, in force from 26 Feb 2026)