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$70,979
−HK$4,451/mo
▼ 0.25% · 3.875%
HK$73,187
−HK$2,243/mo
Today · 4.125%
HK$75,430
baseline
▲ 0.50% · 4.625%
HK$80,020
+HK$4,590/mo
Deposit HK$15.56M · loan HK$15.56M · min. income ≈ HK$150,860/mo (50% DSR)
Upfront cash ≈ HK$16.89M (deposit + AVD stamp duty HK$1,322,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,963
−HK$4,266/mo
▼ 0.25% · 3.875%
HK$81,081
−HK$2,148/mo
Today · 4.125%
HK$83,229
baseline
▲ 0.50% · 4.625%
HK$87,617
+HK$4,388/mo
Deposit HK$15.56M · loan HK$15.56M · min. income ≈ HK$166,458/mo (50% DSR)
Upfront cash ≈ HK$16.89M (deposit + AVD stamp duty HK$1,322,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,175
−HK$5,341/mo
▼ 0.25% · 3.875%
HK$87,824
−HK$2,692/mo
Today · 4.125%
HK$90,516
baseline
▲ 0.50% · 4.625%
HK$96,024
+HK$5,508/mo
Deposit HK$12.45M · loan HK$18.68M · min. income ≈ HK$181,032/mo (50% DSR)
Upfront cash ≈ HK$13.77M (deposit + AVD stamp duty HK$1,322,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,756
−HK$5,119/mo
▼ 0.25% · 3.875%
HK$97,297
−HK$2,578/mo
Today · 4.125%
HK$99,875
baseline
▲ 0.50% · 4.625%
HK$105,140
+HK$5,265/mo
Deposit HK$12.45M · loan HK$18.68M · min. income ≈ HK$199,750/mo (50% DSR)
Upfront cash ≈ HK$13.77M (deposit + AVD stamp duty HK$1,322,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,370
−HK$6,232/mo
▼ 0.25% · 3.875%
HK$102,461
−HK$3,141/mo
Today · 4.125%
HK$105,602
baseline
▲ 0.50% · 4.625%
HK$112,027
+HK$6,425/mo
Deposit HK$9.34M · loan HK$21.79M · min. income ≈ HK$211,204/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,322,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,549
−HK$5,972/mo
▼ 0.25% · 3.875%
HK$113,513
−HK$3,008/mo
Today · 4.125%
HK$116,521
baseline
▲ 0.50% · 4.625%
HK$122,663
+HK$6,142/mo
Deposit HK$9.34M · loan HK$21.79M · min. income ≈ HK$233,042/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,322,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,762
−HK$8,012/mo
▼ 0.25% · 3.875%
HK$131,736
−HK$4,038/mo
Today · 4.125%
HK$135,774
baseline
▲ 0.50% · 4.625%
HK$144,035
+HK$8,261/mo
Deposit HK$3.11M · loan HK$28.01M · min. income ≈ HK$271,548/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$1,322,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,134
−HK$7,679/mo
▼ 0.25% · 3.875%
HK$145,946
−HK$3,867/mo
Today · 4.125%
HK$149,813
baseline
▲ 0.50% · 4.625%
HK$157,710
+HK$7,897/mo
Deposit HK$3.11M · loan HK$28.01M · min. income ≈ HK$299,626/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$1,322,923 · Scale 2, in force from 26 Feb 2026)