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$69,343
−HK$4,349/mo
▼ 0.25% · 3.875%
HK$71,500
−HK$2,192/mo
Today · 4.125%
HK$73,692
baseline
▲ 0.50% · 4.625%
HK$78,176
+HK$4,484/mo
Deposit HK$15.21M · loan HK$15.21M · min. income ≈ HK$147,384/mo (50% DSR)
Upfront cash ≈ HK$16.50M (deposit + AVD stamp duty HK$1,292,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,144
−HK$4,168/mo
▼ 0.25% · 3.875%
HK$79,213
−HK$2,099/mo
Today · 4.125%
HK$81,312
baseline
▲ 0.50% · 4.625%
HK$85,598
+HK$4,286/mo
Deposit HK$15.21M · loan HK$15.21M · min. income ≈ HK$162,624/mo (50% DSR)
Upfront cash ≈ HK$16.50M (deposit + AVD stamp duty HK$1,292,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,212
−HK$5,218/mo
▼ 0.25% · 3.875%
HK$85,800
−HK$2,630/mo
Today · 4.125%
HK$88,430
baseline
▲ 0.50% · 4.625%
HK$93,811
+HK$5,381/mo
Deposit HK$12.16M · loan HK$18.25M · min. income ≈ HK$176,860/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,292,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,572
−HK$5,002/mo
▼ 0.25% · 3.875%
HK$95,055
−HK$2,519/mo
Today · 4.125%
HK$97,574
baseline
▲ 0.50% · 4.625%
HK$102,717
+HK$5,143/mo
Deposit HK$12.16M · loan HK$18.25M · min. income ≈ HK$195,148/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,292,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,081
−HK$6,087/mo
▼ 0.25% · 3.875%
HK$100,100
−HK$3,068/mo
Today · 4.125%
HK$103,168
baseline
▲ 0.50% · 4.625%
HK$109,446
+HK$6,278/mo
Deposit HK$9.12M · loan HK$21.29M · min. income ≈ HK$206,336/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$1,292,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,001
−HK$5,835/mo
▼ 0.25% · 3.875%
HK$110,898
−HK$2,938/mo
Today · 4.125%
HK$113,836
baseline
▲ 0.50% · 4.625%
HK$119,837
+HK$6,001/mo
Deposit HK$9.12M · loan HK$21.29M · min. income ≈ HK$227,672/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$1,292,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,818
−HK$7,827/mo
▼ 0.25% · 3.875%
HK$128,700
−HK$3,945/mo
Today · 4.125%
HK$132,645
baseline
▲ 0.50% · 4.625%
HK$140,716
+HK$8,071/mo
Deposit HK$3.04M · loan HK$27.37M · min. income ≈ HK$265,290/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,292,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,859
−HK$7,502/mo
▼ 0.25% · 3.875%
HK$142,583
−HK$3,778/mo
Today · 4.125%
HK$146,361
baseline
▲ 0.50% · 4.625%
HK$154,076
+HK$7,715/mo
Deposit HK$3.04M · loan HK$27.37M · min. income ≈ HK$292,722/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,292,438 · Scale 2, in force from 26 Feb 2026)