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$69,055
−HK$4,330/mo
▼ 0.25% · 3.875%
HK$71,203
−HK$2,182/mo
Today · 4.125%
HK$73,385
baseline
▲ 0.50% · 4.625%
HK$77,851
+HK$4,466/mo
Deposit HK$15.14M · loan HK$15.14M · min. income ≈ HK$146,770/mo (50% DSR)
Upfront cash ≈ HK$16.43M (deposit + AVD stamp duty HK$1,287,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,823
−HK$4,150/mo
▼ 0.25% · 3.875%
HK$78,883
−HK$2,090/mo
Today · 4.125%
HK$80,973
baseline
▲ 0.50% · 4.625%
HK$85,242
+HK$4,269/mo
Deposit HK$15.14M · loan HK$15.14M · min. income ≈ HK$161,946/mo (50% DSR)
Upfront cash ≈ HK$16.43M (deposit + AVD stamp duty HK$1,287,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,866
−HK$5,196/mo
▼ 0.25% · 3.875%
HK$85,443
−HK$2,619/mo
Today · 4.125%
HK$88,062
baseline
▲ 0.50% · 4.625%
HK$93,421
+HK$5,359/mo
Deposit HK$12.11M · loan HK$18.17M · min. income ≈ HK$176,124/mo (50% DSR)
Upfront cash ≈ HK$13.40M (deposit + AVD stamp duty HK$1,287,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,187
−HK$4,981/mo
▼ 0.25% · 3.875%
HK$94,660
−HK$2,508/mo
Today · 4.125%
HK$97,168
baseline
▲ 0.50% · 4.625%
HK$102,290
+HK$5,122/mo
Deposit HK$12.11M · loan HK$18.17M · min. income ≈ HK$194,336/mo (50% DSR)
Upfront cash ≈ HK$13.40M (deposit + AVD stamp duty HK$1,287,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,677
−HK$6,062/mo
▼ 0.25% · 3.875%
HK$99,684
−HK$3,055/mo
Today · 4.125%
HK$102,739
baseline
▲ 0.50% · 4.625%
HK$108,991
+HK$6,252/mo
Deposit HK$9.09M · loan HK$21.20M · min. income ≈ HK$205,478/mo (50% DSR)
Upfront cash ≈ HK$10.37M (deposit + AVD stamp duty HK$1,287,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,552
−HK$5,811/mo
▼ 0.25% · 3.875%
HK$110,437
−HK$2,926/mo
Today · 4.125%
HK$113,363
baseline
▲ 0.50% · 4.625%
HK$119,338
+HK$5,975/mo
Deposit HK$9.09M · loan HK$21.20M · min. income ≈ HK$226,726/mo (50% DSR)
Upfront cash ≈ HK$10.37M (deposit + AVD stamp duty HK$1,287,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,299
−HK$7,794/mo
▼ 0.25% · 3.875%
HK$128,165
−HK$3,928/mo
Today · 4.125%
HK$132,093
baseline
▲ 0.50% · 4.625%
HK$140,131
+HK$8,038/mo
Deposit HK$3.03M · loan HK$27.26M · min. income ≈ HK$264,186/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$1,287,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,281
−HK$7,471/mo
▼ 0.25% · 3.875%
HK$141,990
−HK$3,762/mo
Today · 4.125%
HK$145,752
baseline
▲ 0.50% · 4.625%
HK$153,435
+HK$7,683/mo
Deposit HK$3.03M · loan HK$27.26M · min. income ≈ HK$291,504/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$1,287,063 · Scale 2, in force from 26 Feb 2026)