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$72,777
−HK$4,564/mo
▼ 0.25% · 3.875%
HK$75,041
−HK$2,300/mo
Today · 4.125%
HK$77,341
baseline
▲ 0.50% · 4.625%
HK$82,047
+HK$4,706/mo
Deposit HK$15.96M · loan HK$15.96M · min. income ≈ HK$154,682/mo (50% DSR)
Upfront cash ≈ HK$17.31M (deposit + AVD stamp duty HK$1,356,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,964
−HK$4,374/mo
▼ 0.25% · 3.875%
HK$83,135
−HK$2,203/mo
Today · 4.125%
HK$85,338
baseline
▲ 0.50% · 4.625%
HK$89,836
+HK$4,498/mo
Deposit HK$15.96M · loan HK$15.96M · min. income ≈ HK$170,676/mo (50% DSR)
Upfront cash ≈ HK$17.31M (deposit + AVD stamp duty HK$1,356,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,333
−HK$5,476/mo
▼ 0.25% · 3.875%
HK$90,049
−HK$2,760/mo
Today · 4.125%
HK$92,809
baseline
▲ 0.50% · 4.625%
HK$98,456
+HK$5,647/mo
Deposit HK$12.77M · loan HK$19.15M · min. income ≈ HK$185,618/mo (50% DSR)
Upfront cash ≈ HK$14.12M (deposit + AVD stamp duty HK$1,356,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,157
−HK$5,249/mo
▼ 0.25% · 3.875%
HK$99,762
−HK$2,644/mo
Today · 4.125%
HK$102,406
baseline
▲ 0.50% · 4.625%
HK$107,804
+HK$5,398/mo
Deposit HK$12.77M · loan HK$19.15M · min. income ≈ HK$204,812/mo (50% DSR)
Upfront cash ≈ HK$14.12M (deposit + AVD stamp duty HK$1,356,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,888
−HK$6,389/mo
▼ 0.25% · 3.875%
HK$105,057
−HK$3,220/mo
Today · 4.125%
HK$108,277
baseline
▲ 0.50% · 4.625%
HK$114,866
+HK$6,589/mo
Deposit HK$9.57M · loan HK$22.34M · min. income ≈ HK$216,554/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$1,356,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,349
−HK$6,124/mo
▼ 0.25% · 3.875%
HK$116,389
−HK$3,084/mo
Today · 4.125%
HK$119,473
baseline
▲ 0.50% · 4.625%
HK$125,771
+HK$6,298/mo
Deposit HK$9.57M · loan HK$22.34M · min. income ≈ HK$238,946/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$1,356,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,999
−HK$8,215/mo
▼ 0.25% · 3.875%
HK$135,074
−HK$4,140/mo
Today · 4.125%
HK$139,214
baseline
▲ 0.50% · 4.625%
HK$147,685
+HK$8,471/mo
Deposit HK$3.19M · loan HK$28.72M · min. income ≈ HK$278,428/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$1,356,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,735
−HK$7,874/mo
▼ 0.25% · 3.875%
HK$149,644
−HK$3,965/mo
Today · 4.125%
HK$153,609
baseline
▲ 0.50% · 4.625%
HK$161,706
+HK$8,097/mo
Deposit HK$3.19M · loan HK$28.72M · min. income ≈ HK$307,218/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$1,356,440 · Scale 2, in force from 26 Feb 2026)