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$73,099
−HK$4,584/mo
▼ 0.25% · 3.875%
HK$75,373
−HK$2,310/mo
Today · 4.125%
HK$77,683
baseline
▲ 0.50% · 4.625%
HK$82,410
+HK$4,727/mo
Deposit HK$16.03M · loan HK$16.03M · min. income ≈ HK$155,366/mo (50% DSR)
Upfront cash ≈ HK$17.39M (deposit + AVD stamp duty HK$1,362,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,322
−HK$4,394/mo
▼ 0.25% · 3.875%
HK$83,503
−HK$2,213/mo
Today · 4.125%
HK$85,716
baseline
▲ 0.50% · 4.625%
HK$90,234
+HK$4,518/mo
Deposit HK$16.03M · loan HK$16.03M · min. income ≈ HK$171,432/mo (50% DSR)
Upfront cash ≈ HK$17.39M (deposit + AVD stamp duty HK$1,362,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,719
−HK$5,501/mo
▼ 0.25% · 3.875%
HK$90,448
−HK$2,772/mo
Today · 4.125%
HK$93,220
baseline
▲ 0.50% · 4.625%
HK$98,892
+HK$5,672/mo
Deposit HK$12.82M · loan HK$19.23M · min. income ≈ HK$186,440/mo (50% DSR)
Upfront cash ≈ HK$14.19M (deposit + AVD stamp duty HK$1,362,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,587
−HK$5,272/mo
▼ 0.25% · 3.875%
HK$100,204
−HK$2,655/mo
Today · 4.125%
HK$102,859
baseline
▲ 0.50% · 4.625%
HK$108,281
+HK$5,422/mo
Deposit HK$12.82M · loan HK$19.23M · min. income ≈ HK$205,718/mo (50% DSR)
Upfront cash ≈ HK$14.19M (deposit + AVD stamp duty HK$1,362,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,339
−HK$6,418/mo
▼ 0.25% · 3.875%
HK$105,522
−HK$3,235/mo
Today · 4.125%
HK$108,757
baseline
▲ 0.50% · 4.625%
HK$115,374
+HK$6,617/mo
Deposit HK$9.62M · loan HK$22.44M · min. income ≈ HK$217,514/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$1,362,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,851
−HK$6,151/mo
▼ 0.25% · 3.875%
HK$116,905
−HK$3,097/mo
Today · 4.125%
HK$120,002
baseline
▲ 0.50% · 4.625%
HK$126,328
+HK$6,326/mo
Deposit HK$9.62M · loan HK$22.44M · min. income ≈ HK$240,004/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$1,362,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,579
−HK$8,251/mo
▼ 0.25% · 3.875%
HK$135,672
−HK$4,158/mo
Today · 4.125%
HK$139,830
baseline
▲ 0.50% · 4.625%
HK$148,338
+HK$8,508/mo
Deposit HK$3.21M · loan HK$28.85M · min. income ≈ HK$279,660/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$1,362,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,380
−HK$7,909/mo
▼ 0.25% · 3.875%
HK$150,306
−HK$3,983/mo
Today · 4.125%
HK$154,289
baseline
▲ 0.50% · 4.625%
HK$162,421
+HK$8,132/mo
Deposit HK$3.21M · loan HK$28.85M · min. income ≈ HK$308,578/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$1,362,445 · Scale 2, in force from 26 Feb 2026)