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$68,706
−HK$4,308/mo
▼ 0.25% · 3.875%
HK$70,843
−HK$2,171/mo
Today · 4.125%
HK$73,014
baseline
▲ 0.50% · 4.625%
HK$77,457
+HK$4,443/mo
Deposit HK$15.07M · loan HK$15.07M · min. income ≈ HK$146,028/mo (50% DSR)
Upfront cash ≈ HK$16.35M (deposit + AVD stamp duty HK$1,280,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,435
−HK$4,129/mo
▼ 0.25% · 3.875%
HK$78,485
−HK$2,079/mo
Today · 4.125%
HK$80,564
baseline
▲ 0.50% · 4.625%
HK$84,811
+HK$4,247/mo
Deposit HK$15.07M · loan HK$15.07M · min. income ≈ HK$161,128/mo (50% DSR)
Upfront cash ≈ HK$16.35M (deposit + AVD stamp duty HK$1,280,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,447
−HK$5,170/mo
▼ 0.25% · 3.875%
HK$85,012
−HK$2,605/mo
Today · 4.125%
HK$87,617
baseline
▲ 0.50% · 4.625%
HK$92,948
+HK$5,331/mo
Deposit HK$12.05M · loan HK$18.08M · min. income ≈ HK$175,234/mo (50% DSR)
Upfront cash ≈ HK$13.33M (deposit + AVD stamp duty HK$1,280,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,721
−HK$4,956/mo
▼ 0.25% · 3.875%
HK$94,181
−HK$2,496/mo
Today · 4.125%
HK$96,677
baseline
▲ 0.50% · 4.625%
HK$101,773
+HK$5,096/mo
Deposit HK$12.05M · loan HK$18.08M · min. income ≈ HK$193,354/mo (50% DSR)
Upfront cash ≈ HK$13.33M (deposit + AVD stamp duty HK$1,280,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,188
−HK$6,032/mo
▼ 0.25% · 3.875%
HK$99,180
−HK$3,040/mo
Today · 4.125%
HK$102,220
baseline
▲ 0.50% · 4.625%
HK$108,440
+HK$6,220/mo
Deposit HK$9.04M · loan HK$21.09M · min. income ≈ HK$204,440/mo (50% DSR)
Upfront cash ≈ HK$10.32M (deposit + AVD stamp duty HK$1,280,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,008
−HK$5,782/mo
▼ 0.25% · 3.875%
HK$109,878
−HK$2,912/mo
Today · 4.125%
HK$112,790
baseline
▲ 0.50% · 4.625%
HK$118,735
+HK$5,945/mo
Deposit HK$9.04M · loan HK$21.09M · min. income ≈ HK$225,580/mo (50% DSR)
Upfront cash ≈ HK$10.32M (deposit + AVD stamp duty HK$1,280,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,671
−HK$7,755/mo
▼ 0.25% · 3.875%
HK$127,517
−HK$3,909/mo
Today · 4.125%
HK$131,426
baseline
▲ 0.50% · 4.625%
HK$139,423
+HK$7,997/mo
Deposit HK$3.01M · loan HK$27.12M · min. income ≈ HK$262,852/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$1,280,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,582
−HK$7,433/mo
▼ 0.25% · 3.875%
HK$141,272
−HK$3,743/mo
Today · 4.125%
HK$145,015
baseline
▲ 0.50% · 4.625%
HK$152,659
+HK$7,644/mo
Deposit HK$3.01M · loan HK$27.12M · min. income ≈ HK$290,030/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$1,280,558 · Scale 2, in force from 26 Feb 2026)