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$68,518
−HK$4,297/mo
▼ 0.25% · 3.875%
HK$70,649
−HK$2,166/mo
Today · 4.125%
HK$72,815
baseline
▲ 0.50% · 4.625%
HK$77,245
+HK$4,430/mo
Deposit HK$15.02M · loan HK$15.02M · min. income ≈ HK$145,630/mo (50% DSR)
Upfront cash ≈ HK$16.30M (deposit + AVD stamp duty HK$1,277,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,225
−HK$4,119/mo
▼ 0.25% · 3.875%
HK$78,270
−HK$2,074/mo
Today · 4.125%
HK$80,344
baseline
▲ 0.50% · 4.625%
HK$84,579
+HK$4,235/mo
Deposit HK$15.02M · loan HK$15.02M · min. income ≈ HK$160,688/mo (50% DSR)
Upfront cash ≈ HK$16.30M (deposit + AVD stamp duty HK$1,277,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,221
−HK$5,156/mo
▼ 0.25% · 3.875%
HK$84,779
−HK$2,598/mo
Today · 4.125%
HK$87,377
baseline
▲ 0.50% · 4.625%
HK$92,694
+HK$5,317/mo
Deposit HK$12.02M · loan HK$18.03M · min. income ≈ HK$174,754/mo (50% DSR)
Upfront cash ≈ HK$13.30M (deposit + AVD stamp duty HK$1,277,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,471
−HK$4,941/mo
▼ 0.25% · 3.875%
HK$93,924
−HK$2,488/mo
Today · 4.125%
HK$96,412
baseline
▲ 0.50% · 4.625%
HK$101,494
+HK$5,082/mo
Deposit HK$12.02M · loan HK$18.03M · min. income ≈ HK$192,824/mo (50% DSR)
Upfront cash ≈ HK$13.30M (deposit + AVD stamp duty HK$1,277,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,925
−HK$6,015/mo
▼ 0.25% · 3.875%
HK$98,909
−HK$3,031/mo
Today · 4.125%
HK$101,940
baseline
▲ 0.50% · 4.625%
HK$108,143
+HK$6,203/mo
Deposit HK$9.01M · loan HK$21.03M · min. income ≈ HK$203,880/mo (50% DSR)
Upfront cash ≈ HK$10.29M (deposit + AVD stamp duty HK$1,277,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,716
−HK$5,765/mo
▼ 0.25% · 3.875%
HK$109,578
−HK$2,903/mo
Today · 4.125%
HK$112,481
baseline
▲ 0.50% · 4.625%
HK$118,410
+HK$5,929/mo
Deposit HK$9.01M · loan HK$21.03M · min. income ≈ HK$224,962/mo (50% DSR)
Upfront cash ≈ HK$10.29M (deposit + AVD stamp duty HK$1,277,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,332
−HK$7,734/mo
▼ 0.25% · 3.875%
HK$127,168
−HK$3,898/mo
Today · 4.125%
HK$131,066
baseline
▲ 0.50% · 4.625%
HK$139,041
+HK$7,975/mo
Deposit HK$3.00M · loan HK$27.04M · min. income ≈ HK$262,132/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$1,277,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,206
−HK$7,413/mo
▼ 0.25% · 3.875%
HK$140,886
−HK$3,733/mo
Today · 4.125%
HK$144,619
baseline
▲ 0.50% · 4.625%
HK$152,242
+HK$7,623/mo
Deposit HK$3.00M · loan HK$27.04M · min. income ≈ HK$289,238/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$1,277,054 · Scale 2, in force from 26 Feb 2026)