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$70,595
−HK$4,427/mo
▼ 0.25% · 3.875%
HK$72,791
−HK$2,231/mo
Today · 4.125%
HK$75,022
baseline
▲ 0.50% · 4.625%
HK$79,587
+HK$4,565/mo
Deposit HK$15.48M · loan HK$15.48M · min. income ≈ HK$150,044/mo (50% DSR)
Upfront cash ≈ HK$16.80M (deposit + AVD stamp duty HK$1,315,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,536
−HK$4,243/mo
▼ 0.25% · 3.875%
HK$80,642
−HK$2,137/mo
Today · 4.125%
HK$82,779
baseline
▲ 0.50% · 4.625%
HK$87,143
+HK$4,364/mo
Deposit HK$15.48M · loan HK$15.48M · min. income ≈ HK$165,558/mo (50% DSR)
Upfront cash ≈ HK$16.80M (deposit + AVD stamp duty HK$1,315,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,714
−HK$5,312/mo
▼ 0.25% · 3.875%
HK$87,349
−HK$2,677/mo
Today · 4.125%
HK$90,026
baseline
▲ 0.50% · 4.625%
HK$95,504
+HK$5,478/mo
Deposit HK$12.38M · loan HK$18.58M · min. income ≈ HK$180,052/mo (50% DSR)
Upfront cash ≈ HK$13.70M (deposit + AVD stamp duty HK$1,315,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,243
−HK$5,092/mo
▼ 0.25% · 3.875%
HK$96,771
−HK$2,564/mo
Today · 4.125%
HK$99,335
baseline
▲ 0.50% · 4.625%
HK$104,571
+HK$5,236/mo
Deposit HK$12.38M · loan HK$18.58M · min. income ≈ HK$198,670/mo (50% DSR)
Upfront cash ≈ HK$13.70M (deposit + AVD stamp duty HK$1,315,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,833
−HK$6,198/mo
▼ 0.25% · 3.875%
HK$101,907
−HK$3,124/mo
Today · 4.125%
HK$105,031
baseline
▲ 0.50% · 4.625%
HK$111,421
+HK$6,390/mo
Deposit HK$9.29M · loan HK$21.67M · min. income ≈ HK$210,062/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$1,315,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,951
−HK$5,940/mo
▼ 0.25% · 3.875%
HK$112,899
−HK$2,992/mo
Today · 4.125%
HK$115,891
baseline
▲ 0.50% · 4.625%
HK$122,000
+HK$6,109/mo
Deposit HK$9.29M · loan HK$21.67M · min. income ≈ HK$231,782/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$1,315,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,071
−HK$7,968/mo
▼ 0.25% · 3.875%
HK$131,023
−HK$4,016/mo
Today · 4.125%
HK$135,039
baseline
▲ 0.50% · 4.625%
HK$143,256
+HK$8,217/mo
Deposit HK$3.10M · loan HK$27.86M · min. income ≈ HK$270,078/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,315,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,365
−HK$7,638/mo
▼ 0.25% · 3.875%
HK$145,156
−HK$3,847/mo
Today · 4.125%
HK$149,003
baseline
▲ 0.50% · 4.625%
HK$156,857
+HK$7,854/mo
Deposit HK$3.10M · loan HK$27.86M · min. income ≈ HK$298,006/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,315,766 · Scale 2, in force from 26 Feb 2026)