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$68,996
−HK$4,327/mo
▼ 0.25% · 3.875%
HK$71,143
−HK$2,180/mo
Today · 4.125%
HK$73,323
baseline
▲ 0.50% · 4.625%
HK$77,785
+HK$4,462/mo
Deposit HK$15.13M · loan HK$15.13M · min. income ≈ HK$146,646/mo (50% DSR)
Upfront cash ≈ HK$16.42M (deposit + AVD stamp duty HK$1,285,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,758
−HK$4,147/mo
▼ 0.25% · 3.875%
HK$78,816
−HK$2,089/mo
Today · 4.125%
HK$80,905
baseline
▲ 0.50% · 4.625%
HK$85,169
+HK$4,264/mo
Deposit HK$15.13M · loan HK$15.13M · min. income ≈ HK$161,810/mo (50% DSR)
Upfront cash ≈ HK$16.42M (deposit + AVD stamp duty HK$1,285,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,796
−HK$5,192/mo
▼ 0.25% · 3.875%
HK$85,371
−HK$2,617/mo
Today · 4.125%
HK$87,988
baseline
▲ 0.50% · 4.625%
HK$93,342
+HK$5,354/mo
Deposit HK$12.10M · loan HK$18.15M · min. income ≈ HK$175,976/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,285,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,109
−HK$4,977/mo
▼ 0.25% · 3.875%
HK$94,580
−HK$2,506/mo
Today · 4.125%
HK$97,086
baseline
▲ 0.50% · 4.625%
HK$102,203
+HK$5,117/mo
Deposit HK$12.10M · loan HK$18.15M · min. income ≈ HK$194,172/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,285,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,595
−HK$6,057/mo
▼ 0.25% · 3.875%
HK$99,600
−HK$3,052/mo
Today · 4.125%
HK$102,652
baseline
▲ 0.50% · 4.625%
HK$108,898
+HK$6,246/mo
Deposit HK$9.08M · loan HK$21.18M · min. income ≈ HK$205,304/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$1,285,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,461
−HK$5,806/mo
▼ 0.25% · 3.875%
HK$110,343
−HK$2,924/mo
Today · 4.125%
HK$113,267
baseline
▲ 0.50% · 4.625%
HK$119,237
+HK$5,970/mo
Deposit HK$9.08M · loan HK$21.18M · min. income ≈ HK$226,534/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$1,285,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,194
−HK$7,788/mo
▼ 0.25% · 3.875%
HK$128,057
−HK$3,925/mo
Today · 4.125%
HK$131,982
baseline
▲ 0.50% · 4.625%
HK$140,012
+HK$8,030/mo
Deposit HK$3.03M · loan HK$27.23M · min. income ≈ HK$263,964/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$1,285,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,164
−HK$7,465/mo
▼ 0.25% · 3.875%
HK$141,870
−HK$3,759/mo
Today · 4.125%
HK$145,629
baseline
▲ 0.50% · 4.625%
HK$153,305
+HK$7,676/mo
Deposit HK$3.03M · loan HK$27.23M · min. income ≈ HK$291,258/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$1,285,973 · Scale 2, in force from 26 Feb 2026)