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$70,365
−HK$4,412/mo
▼ 0.25% · 3.875%
HK$72,553
−HK$2,224/mo
Today · 4.125%
HK$74,777
baseline
▲ 0.50% · 4.625%
HK$79,327
+HK$4,550/mo
Deposit HK$15.43M · loan HK$15.43M · min. income ≈ HK$149,554/mo (50% DSR)
Upfront cash ≈ HK$16.74M (deposit + AVD stamp duty HK$1,311,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,280
−HK$4,229/mo
▼ 0.25% · 3.875%
HK$80,379
−HK$2,130/mo
Today · 4.125%
HK$82,509
baseline
▲ 0.50% · 4.625%
HK$86,858
+HK$4,349/mo
Deposit HK$15.43M · loan HK$15.43M · min. income ≈ HK$165,018/mo (50% DSR)
Upfront cash ≈ HK$16.74M (deposit + AVD stamp duty HK$1,311,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,437
−HK$5,295/mo
▼ 0.25% · 3.875%
HK$87,064
−HK$2,668/mo
Today · 4.125%
HK$89,732
baseline
▲ 0.50% · 4.625%
HK$95,192
+HK$5,460/mo
Deposit HK$12.34M · loan HK$18.51M · min. income ≈ HK$179,464/mo (50% DSR)
Upfront cash ≈ HK$13.65M (deposit + AVD stamp duty HK$1,311,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,936
−HK$5,075/mo
▼ 0.25% · 3.875%
HK$96,455
−HK$2,556/mo
Today · 4.125%
HK$99,011
baseline
▲ 0.50% · 4.625%
HK$104,230
+HK$5,219/mo
Deposit HK$12.34M · loan HK$18.51M · min. income ≈ HK$198,022/mo (50% DSR)
Upfront cash ≈ HK$13.65M (deposit + AVD stamp duty HK$1,311,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,510
−HK$6,178/mo
▼ 0.25% · 3.875%
HK$101,575
−HK$3,113/mo
Today · 4.125%
HK$104,688
baseline
▲ 0.50% · 4.625%
HK$111,058
+HK$6,370/mo
Deposit HK$9.26M · loan HK$21.60M · min. income ≈ HK$209,376/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,311,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,592
−HK$5,921/mo
▼ 0.25% · 3.875%
HK$112,531
−HK$2,982/mo
Today · 4.125%
HK$115,513
baseline
▲ 0.50% · 4.625%
HK$121,602
+HK$6,089/mo
Deposit HK$9.26M · loan HK$21.60M · min. income ≈ HK$231,026/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,311,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,656
−HK$7,943/mo
▼ 0.25% · 3.875%
HK$130,596
−HK$4,003/mo
Today · 4.125%
HK$134,599
baseline
▲ 0.50% · 4.625%
HK$142,789
+HK$8,190/mo
Deposit HK$3.09M · loan HK$27.77M · min. income ≈ HK$269,198/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,311,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,904
−HK$7,612/mo
▼ 0.25% · 3.875%
HK$144,683
−HK$3,833/mo
Today · 4.125%
HK$148,516
baseline
▲ 0.50% · 4.625%
HK$156,345
+HK$7,829/mo
Deposit HK$3.09M · loan HK$27.77M · min. income ≈ HK$297,032/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,311,473 · Scale 2, in force from 26 Feb 2026)