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$69,773
−HK$4,375/mo
▼ 0.25% · 3.875%
HK$71,943
−HK$2,205/mo
Today · 4.125%
HK$74,148
baseline
▲ 0.50% · 4.625%
HK$78,660
+HK$4,512/mo
Deposit HK$15.30M · loan HK$15.30M · min. income ≈ HK$148,296/mo (50% DSR)
Upfront cash ≈ HK$16.60M (deposit + AVD stamp duty HK$1,300,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,622
−HK$4,193/mo
▼ 0.25% · 3.875%
HK$79,703
−HK$2,112/mo
Today · 4.125%
HK$81,815
baseline
▲ 0.50% · 4.625%
HK$86,128
+HK$4,313/mo
Deposit HK$15.30M · loan HK$15.30M · min. income ≈ HK$163,630/mo (50% DSR)
Upfront cash ≈ HK$16.60M (deposit + AVD stamp duty HK$1,300,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,727
−HK$5,251/mo
▼ 0.25% · 3.875%
HK$86,332
−HK$2,646/mo
Today · 4.125%
HK$88,978
baseline
▲ 0.50% · 4.625%
HK$94,392
+HK$5,414/mo
Deposit HK$12.24M · loan HK$18.36M · min. income ≈ HK$177,956/mo (50% DSR)
Upfront cash ≈ HK$13.54M (deposit + AVD stamp duty HK$1,300,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,146
−HK$5,032/mo
▼ 0.25% · 3.875%
HK$95,644
−HK$2,534/mo
Today · 4.125%
HK$98,178
baseline
▲ 0.50% · 4.625%
HK$103,353
+HK$5,175/mo
Deposit HK$12.24M · loan HK$18.36M · min. income ≈ HK$196,356/mo (50% DSR)
Upfront cash ≈ HK$13.54M (deposit + AVD stamp duty HK$1,300,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,682
−HK$6,126/mo
▼ 0.25% · 3.875%
HK$100,721
−HK$3,087/mo
Today · 4.125%
HK$103,808
baseline
▲ 0.50% · 4.625%
HK$110,124
+HK$6,316/mo
Deposit HK$9.18M · loan HK$21.42M · min. income ≈ HK$207,616/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$1,300,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,670
−HK$5,871/mo
▼ 0.25% · 3.875%
HK$111,585
−HK$2,956/mo
Today · 4.125%
HK$114,541
baseline
▲ 0.50% · 4.625%
HK$120,579
+HK$6,038/mo
Deposit HK$9.18M · loan HK$21.42M · min. income ≈ HK$229,082/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$1,300,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,591
−HK$7,876/mo
▼ 0.25% · 3.875%
HK$129,498
−HK$3,969/mo
Today · 4.125%
HK$133,467
baseline
▲ 0.50% · 4.625%
HK$141,588
+HK$8,121/mo
Deposit HK$3.06M · loan HK$27.54M · min. income ≈ HK$266,934/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,300,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,719
−HK$7,549/mo
▼ 0.25% · 3.875%
HK$143,466
−HK$3,802/mo
Today · 4.125%
HK$147,268
baseline
▲ 0.50% · 4.625%
HK$155,030
+HK$7,762/mo
Deposit HK$3.06M · loan HK$27.54M · min. income ≈ HK$294,536/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,300,445 · Scale 2, in force from 26 Feb 2026)