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$68,689
−HK$4,308/mo
▼ 0.25% · 3.875%
HK$70,826
−HK$2,171/mo
Today · 4.125%
HK$72,997
baseline
▲ 0.50% · 4.625%
HK$77,438
+HK$4,441/mo
Deposit HK$15.06M · loan HK$15.06M · min. income ≈ HK$145,994/mo (50% DSR)
Upfront cash ≈ HK$16.34M (deposit + AVD stamp duty HK$1,280,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,416
−HK$4,129/mo
▼ 0.25% · 3.875%
HK$78,466
−HK$2,079/mo
Today · 4.125%
HK$80,545
baseline
▲ 0.50% · 4.625%
HK$84,790
+HK$4,245/mo
Deposit HK$15.06M · loan HK$15.06M · min. income ≈ HK$161,090/mo (50% DSR)
Upfront cash ≈ HK$16.34M (deposit + AVD stamp duty HK$1,280,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,427
−HK$5,169/mo
▼ 0.25% · 3.875%
HK$84,991
−HK$2,605/mo
Today · 4.125%
HK$87,596
baseline
▲ 0.50% · 4.625%
HK$92,926
+HK$5,330/mo
Deposit HK$12.05M · loan HK$18.07M · min. income ≈ HK$175,192/mo (50% DSR)
Upfront cash ≈ HK$13.33M (deposit + AVD stamp duty HK$1,280,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,699
−HK$4,955/mo
▼ 0.25% · 3.875%
HK$94,159
−HK$2,495/mo
Today · 4.125%
HK$96,654
baseline
▲ 0.50% · 4.625%
HK$101,748
+HK$5,094/mo
Deposit HK$12.05M · loan HK$18.07M · min. income ≈ HK$193,308/mo (50% DSR)
Upfront cash ≈ HK$13.33M (deposit + AVD stamp duty HK$1,280,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,165
−HK$6,030/mo
▼ 0.25% · 3.875%
HK$99,156
−HK$3,039/mo
Today · 4.125%
HK$102,195
baseline
▲ 0.50% · 4.625%
HK$108,414
+HK$6,219/mo
Deposit HK$9.04M · loan HK$21.09M · min. income ≈ HK$204,390/mo (50% DSR)
Upfront cash ≈ HK$10.32M (deposit + AVD stamp duty HK$1,280,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,982
−HK$5,780/mo
▼ 0.25% · 3.875%
HK$109,852
−HK$2,910/mo
Today · 4.125%
HK$112,762
baseline
▲ 0.50% · 4.625%
HK$118,706
+HK$5,944/mo
Deposit HK$9.04M · loan HK$21.09M · min. income ≈ HK$225,524/mo (50% DSR)
Upfront cash ≈ HK$10.32M (deposit + AVD stamp duty HK$1,280,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,641
−HK$7,753/mo
▼ 0.25% · 3.875%
HK$127,487
−HK$3,907/mo
Today · 4.125%
HK$131,394
baseline
▲ 0.50% · 4.625%
HK$139,389
+HK$7,995/mo
Deposit HK$3.01M · loan HK$27.11M · min. income ≈ HK$262,788/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$1,280,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,549
−HK$7,431/mo
▼ 0.25% · 3.875%
HK$141,238
−HK$3,742/mo
Today · 4.125%
HK$144,980
baseline
▲ 0.50% · 4.625%
HK$152,622
+HK$7,642/mo
Deposit HK$3.01M · loan HK$27.11M · min. income ≈ HK$289,960/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$1,280,248 · Scale 2, in force from 26 Feb 2026)