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$70,567
−HK$4,426/mo
▼ 0.25% · 3.875%
HK$72,762
−HK$2,231/mo
Today · 4.125%
HK$74,993
baseline
▲ 0.50% · 4.625%
HK$79,556
+HK$4,563/mo
Deposit HK$15.47M · loan HK$15.47M · min. income ≈ HK$149,986/mo (50% DSR)
Upfront cash ≈ HK$16.79M (deposit + AVD stamp duty HK$1,315,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,506
−HK$4,241/mo
▼ 0.25% · 3.875%
HK$80,611
−HK$2,136/mo
Today · 4.125%
HK$82,747
baseline
▲ 0.50% · 4.625%
HK$87,109
+HK$4,362/mo
Deposit HK$15.47M · loan HK$15.47M · min. income ≈ HK$165,494/mo (50% DSR)
Upfront cash ≈ HK$16.79M (deposit + AVD stamp duty HK$1,315,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,681
−HK$5,310/mo
▼ 0.25% · 3.875%
HK$87,315
−HK$2,676/mo
Today · 4.125%
HK$89,991
baseline
▲ 0.50% · 4.625%
HK$95,467
+HK$5,476/mo
Deposit HK$12.38M · loan HK$18.57M · min. income ≈ HK$179,982/mo (50% DSR)
Upfront cash ≈ HK$13.69M (deposit + AVD stamp duty HK$1,315,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,207
−HK$5,089/mo
▼ 0.25% · 3.875%
HK$96,733
−HK$2,563/mo
Today · 4.125%
HK$99,296
baseline
▲ 0.50% · 4.625%
HK$104,530
+HK$5,234/mo
Deposit HK$12.38M · loan HK$18.57M · min. income ≈ HK$198,592/mo (50% DSR)
Upfront cash ≈ HK$13.69M (deposit + AVD stamp duty HK$1,315,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,794
−HK$6,196/mo
▼ 0.25% · 3.875%
HK$101,867
−HK$3,123/mo
Today · 4.125%
HK$104,990
baseline
▲ 0.50% · 4.625%
HK$111,378
+HK$6,388/mo
Deposit HK$9.28M · loan HK$21.66M · min. income ≈ HK$209,980/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$1,315,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,908
−HK$5,938/mo
▼ 0.25% · 3.875%
HK$112,855
−HK$2,991/mo
Today · 4.125%
HK$115,846
baseline
▲ 0.50% · 4.625%
HK$121,952
+HK$6,106/mo
Deposit HK$9.28M · loan HK$21.66M · min. income ≈ HK$231,692/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$1,315,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,021
−HK$7,966/mo
▼ 0.25% · 3.875%
HK$130,972
−HK$4,015/mo
Today · 4.125%
HK$134,987
baseline
▲ 0.50% · 4.625%
HK$143,200
+HK$8,213/mo
Deposit HK$3.09M · loan HK$27.85M · min. income ≈ HK$269,974/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,315,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,310
−HK$7,635/mo
▼ 0.25% · 3.875%
HK$145,100
−HK$3,845/mo
Today · 4.125%
HK$148,945
baseline
▲ 0.50% · 4.625%
HK$156,796
+HK$7,851/mo
Deposit HK$3.09M · loan HK$27.85M · min. income ≈ HK$297,890/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,315,254 · Scale 2, in force from 26 Feb 2026)