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$73,194
−HK$4,590/mo
▼ 0.25% · 3.875%
HK$75,471
−HK$2,313/mo
Today · 4.125%
HK$77,784
baseline
▲ 0.50% · 4.625%
HK$82,517
+HK$4,733/mo
Deposit HK$16.05M · loan HK$16.05M · min. income ≈ HK$155,568/mo (50% DSR)
Upfront cash ≈ HK$17.41M (deposit + AVD stamp duty HK$1,364,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,428
−HK$4,399/mo
▼ 0.25% · 3.875%
HK$83,611
−HK$2,216/mo
Today · 4.125%
HK$85,827
baseline
▲ 0.50% · 4.625%
HK$90,351
+HK$4,524/mo
Deposit HK$16.05M · loan HK$16.05M · min. income ≈ HK$171,654/mo (50% DSR)
Upfront cash ≈ HK$17.41M (deposit + AVD stamp duty HK$1,364,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,833
−HK$5,508/mo
▼ 0.25% · 3.875%
HK$90,565
−HK$2,776/mo
Today · 4.125%
HK$93,341
baseline
▲ 0.50% · 4.625%
HK$99,020
+HK$5,679/mo
Deposit HK$12.84M · loan HK$19.26M · min. income ≈ HK$186,682/mo (50% DSR)
Upfront cash ≈ HK$14.20M (deposit + AVD stamp duty HK$1,364,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,713
−HK$5,279/mo
▼ 0.25% · 3.875%
HK$100,334
−HK$2,658/mo
Today · 4.125%
HK$102,992
baseline
▲ 0.50% · 4.625%
HK$108,421
+HK$5,429/mo
Deposit HK$12.84M · loan HK$19.26M · min. income ≈ HK$205,984/mo (50% DSR)
Upfront cash ≈ HK$14.20M (deposit + AVD stamp duty HK$1,364,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,472
−HK$6,425/mo
▼ 0.25% · 3.875%
HK$105,659
−HK$3,238/mo
Today · 4.125%
HK$108,897
baseline
▲ 0.50% · 4.625%
HK$115,524
+HK$6,627/mo
Deposit HK$9.63M · loan HK$22.47M · min. income ≈ HK$217,794/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$1,364,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,999
−HK$6,159/mo
▼ 0.25% · 3.875%
HK$117,056
−HK$3,102/mo
Today · 4.125%
HK$120,158
baseline
▲ 0.50% · 4.625%
HK$126,491
+HK$6,333/mo
Deposit HK$9.63M · loan HK$22.47M · min. income ≈ HK$240,316/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$1,364,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,749
−HK$8,262/mo
▼ 0.25% · 3.875%
HK$135,847
−HK$4,164/mo
Today · 4.125%
HK$140,011
baseline
▲ 0.50% · 4.625%
HK$148,530
+HK$8,519/mo
Deposit HK$3.21M · loan HK$28.89M · min. income ≈ HK$280,022/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$1,364,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,570
−HK$7,918/mo
▼ 0.25% · 3.875%
HK$150,500
−HK$3,988/mo
Today · 4.125%
HK$154,488
baseline
▲ 0.50% · 4.625%
HK$162,632
+HK$8,144/mo
Deposit HK$3.21M · loan HK$28.89M · min. income ≈ HK$308,976/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$1,364,208 · Scale 2, in force from 26 Feb 2026)