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$73,553
−HK$4,612/mo
▼ 0.25% · 3.875%
HK$75,840
−HK$2,325/mo
Today · 4.125%
HK$78,165
baseline
▲ 0.50% · 4.625%
HK$82,921
+HK$4,756/mo
Deposit HK$16.13M · loan HK$16.13M · min. income ≈ HK$156,330/mo (50% DSR)
Upfront cash ≈ HK$17.50M (deposit + AVD stamp duty HK$1,370,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,826
−HK$4,421/mo
▼ 0.25% · 3.875%
HK$84,021
−HK$2,226/mo
Today · 4.125%
HK$86,247
baseline
▲ 0.50% · 4.625%
HK$90,794
+HK$4,547/mo
Deposit HK$16.13M · loan HK$16.13M · min. income ≈ HK$172,494/mo (50% DSR)
Upfront cash ≈ HK$17.50M (deposit + AVD stamp duty HK$1,370,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,263
−HK$5,535/mo
▼ 0.25% · 3.875%
HK$91,009
−HK$2,789/mo
Today · 4.125%
HK$93,798
baseline
▲ 0.50% · 4.625%
HK$99,505
+HK$5,707/mo
Deposit HK$12.90M · loan HK$19.35M · min. income ≈ HK$187,596/mo (50% DSR)
Upfront cash ≈ HK$14.27M (deposit + AVD stamp duty HK$1,370,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,192
−HK$5,305/mo
▼ 0.25% · 3.875%
HK$100,825
−HK$2,672/mo
Today · 4.125%
HK$103,497
baseline
▲ 0.50% · 4.625%
HK$108,952
+HK$5,455/mo
Deposit HK$12.90M · loan HK$19.35M · min. income ≈ HK$206,994/mo (50% DSR)
Upfront cash ≈ HK$14.27M (deposit + AVD stamp duty HK$1,370,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,974
−HK$6,457/mo
▼ 0.25% · 3.875%
HK$106,177
−HK$3,254/mo
Today · 4.125%
HK$109,431
baseline
▲ 0.50% · 4.625%
HK$116,090
+HK$6,659/mo
Deposit HK$9.68M · loan HK$22.58M · min. income ≈ HK$218,862/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$1,370,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,557
−HK$6,189/mo
▼ 0.25% · 3.875%
HK$117,629
−HK$3,117/mo
Today · 4.125%
HK$120,746
baseline
▲ 0.50% · 4.625%
HK$127,111
+HK$6,365/mo
Deposit HK$9.68M · loan HK$22.58M · min. income ≈ HK$241,492/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$1,370,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,395
−HK$8,302/mo
▼ 0.25% · 3.875%
HK$136,513
−HK$4,184/mo
Today · 4.125%
HK$140,697
baseline
▲ 0.50% · 4.625%
HK$149,258
+HK$8,561/mo
Deposit HK$3.23M · loan HK$29.03M · min. income ≈ HK$281,394/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$1,370,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,288
−HK$7,957/mo
▼ 0.25% · 3.875%
HK$151,238
−HK$4,007/mo
Today · 4.125%
HK$155,245
baseline
▲ 0.50% · 4.625%
HK$163,428
+HK$8,183/mo
Deposit HK$3.23M · loan HK$29.03M · min. income ≈ HK$310,490/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$1,370,892 · Scale 2, in force from 26 Feb 2026)