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$70,034
−HK$4,391/mo
▼ 0.25% · 3.875%
HK$72,212
−HK$2,213/mo
Today · 4.125%
HK$74,425
baseline
▲ 0.50% · 4.625%
HK$78,954
+HK$4,529/mo
Deposit HK$15.36M · loan HK$15.36M · min. income ≈ HK$148,850/mo (50% DSR)
Upfront cash ≈ HK$16.66M (deposit + AVD stamp duty HK$1,305,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,912
−HK$4,209/mo
▼ 0.25% · 3.875%
HK$80,001
−HK$2,120/mo
Today · 4.125%
HK$82,121
baseline
▲ 0.50% · 4.625%
HK$86,450
+HK$4,329/mo
Deposit HK$15.36M · loan HK$15.36M · min. income ≈ HK$164,242/mo (50% DSR)
Upfront cash ≈ HK$16.66M (deposit + AVD stamp duty HK$1,305,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,040
−HK$5,270/mo
▼ 0.25% · 3.875%
HK$86,654
−HK$2,656/mo
Today · 4.125%
HK$89,310
baseline
▲ 0.50% · 4.625%
HK$94,745
+HK$5,435/mo
Deposit HK$12.29M · loan HK$18.43M · min. income ≈ HK$178,620/mo (50% DSR)
Upfront cash ≈ HK$13.59M (deposit + AVD stamp duty HK$1,305,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,494
−HK$5,051/mo
▼ 0.25% · 3.875%
HK$96,001
−HK$2,544/mo
Today · 4.125%
HK$98,545
baseline
▲ 0.50% · 4.625%
HK$103,740
+HK$5,195/mo
Deposit HK$12.29M · loan HK$18.43M · min. income ≈ HK$197,090/mo (50% DSR)
Upfront cash ≈ HK$13.59M (deposit + AVD stamp duty HK$1,305,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,047
−HK$6,148/mo
▼ 0.25% · 3.875%
HK$101,097
−HK$3,098/mo
Today · 4.125%
HK$104,195
baseline
▲ 0.50% · 4.625%
HK$110,535
+HK$6,340/mo
Deposit HK$9.21M · loan HK$21.50M · min. income ≈ HK$208,390/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$1,305,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,076
−HK$5,893/mo
▼ 0.25% · 3.875%
HK$112,002
−HK$2,967/mo
Today · 4.125%
HK$114,969
baseline
▲ 0.50% · 4.625%
HK$121,029
+HK$6,060/mo
Deposit HK$9.21M · loan HK$21.50M · min. income ≈ HK$229,938/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$1,305,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,060
−HK$7,905/mo
▼ 0.25% · 3.875%
HK$129,982
−HK$3,983/mo
Today · 4.125%
HK$133,965
baseline
▲ 0.50% · 4.625%
HK$142,117
+HK$8,152/mo
Deposit HK$3.07M · loan HK$27.64M · min. income ≈ HK$267,930/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,305,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,241
−HK$7,577/mo
▼ 0.25% · 3.875%
HK$144,002
−HK$3,816/mo
Today · 4.125%
HK$147,818
baseline
▲ 0.50% · 4.625%
HK$155,609
+HK$7,791/mo
Deposit HK$3.07M · loan HK$27.64M · min. income ≈ HK$295,636/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,305,303 · Scale 2, in force from 26 Feb 2026)