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$68,979
−HK$4,326/mo
▼ 0.25% · 3.875%
HK$71,125
−HK$2,180/mo
Today · 4.125%
HK$73,305
baseline
▲ 0.50% · 4.625%
HK$77,765
+HK$4,460/mo
Deposit HK$15.13M · loan HK$15.13M · min. income ≈ HK$146,610/mo (50% DSR)
Upfront cash ≈ HK$16.41M (deposit + AVD stamp duty HK$1,285,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,739
−HK$4,146/mo
▼ 0.25% · 3.875%
HK$78,797
−HK$2,088/mo
Today · 4.125%
HK$80,885
baseline
▲ 0.50% · 4.625%
HK$85,148
+HK$4,263/mo
Deposit HK$15.13M · loan HK$15.13M · min. income ≈ HK$161,770/mo (50% DSR)
Upfront cash ≈ HK$16.41M (deposit + AVD stamp duty HK$1,285,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,775
−HK$5,191/mo
▼ 0.25% · 3.875%
HK$85,350
−HK$2,616/mo
Today · 4.125%
HK$87,966
baseline
▲ 0.50% · 4.625%
HK$93,319
+HK$5,353/mo
Deposit HK$12.10M · loan HK$18.15M · min. income ≈ HK$175,932/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,285,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,087
−HK$4,975/mo
▼ 0.25% · 3.875%
HK$94,556
−HK$2,506/mo
Today · 4.125%
HK$97,062
baseline
▲ 0.50% · 4.625%
HK$102,178
+HK$5,116/mo
Deposit HK$12.10M · loan HK$18.15M · min. income ≈ HK$194,124/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,285,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,571
−HK$6,056/mo
▼ 0.25% · 3.875%
HK$99,575
−HK$3,052/mo
Today · 4.125%
HK$102,627
baseline
▲ 0.50% · 4.625%
HK$108,872
+HK$6,245/mo
Deposit HK$9.08M · loan HK$21.18M · min. income ≈ HK$205,254/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$1,285,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,434
−HK$5,805/mo
▼ 0.25% · 3.875%
HK$110,316
−HK$2,923/mo
Today · 4.125%
HK$113,239
baseline
▲ 0.50% · 4.625%
HK$119,208
+HK$5,969/mo
Deposit HK$9.08M · loan HK$21.18M · min. income ≈ HK$226,478/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$1,285,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,163
−HK$7,786/mo
▼ 0.25% · 3.875%
HK$128,025
−HK$3,924/mo
Today · 4.125%
HK$131,949
baseline
▲ 0.50% · 4.625%
HK$139,978
+HK$8,029/mo
Deposit HK$3.03M · loan HK$27.23M · min. income ≈ HK$263,898/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$1,285,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,130
−HK$7,463/mo
▼ 0.25% · 3.875%
HK$141,835
−HK$3,758/mo
Today · 4.125%
HK$145,593
baseline
▲ 0.50% · 4.625%
HK$153,267
+HK$7,674/mo
Deposit HK$3.03M · loan HK$27.23M · min. income ≈ HK$291,186/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$1,285,656 · Scale 2, in force from 26 Feb 2026)