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$70,895
−HK$4,446/mo
▼ 0.25% · 3.875%
HK$73,100
−HK$2,241/mo
Today · 4.125%
HK$75,341
baseline
▲ 0.50% · 4.625%
HK$79,925
+HK$4,584/mo
Deposit HK$15.55M · loan HK$15.55M · min. income ≈ HK$150,682/mo (50% DSR)
Upfront cash ≈ HK$16.87M (deposit + AVD stamp duty HK$1,321,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,870
−HK$4,261/mo
▼ 0.25% · 3.875%
HK$80,985
−HK$2,146/mo
Today · 4.125%
HK$83,131
baseline
▲ 0.50% · 4.625%
HK$87,513
+HK$4,382/mo
Deposit HK$15.55M · loan HK$15.55M · min. income ≈ HK$166,262/mo (50% DSR)
Upfront cash ≈ HK$16.87M (deposit + AVD stamp duty HK$1,321,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,074
−HK$5,335/mo
▼ 0.25% · 3.875%
HK$87,720
−HK$2,689/mo
Today · 4.125%
HK$90,409
baseline
▲ 0.50% · 4.625%
HK$95,910
+HK$5,501/mo
Deposit HK$12.44M · loan HK$18.65M · min. income ≈ HK$180,818/mo (50% DSR)
Upfront cash ≈ HK$13.76M (deposit + AVD stamp duty HK$1,321,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,644
−HK$5,113/mo
▼ 0.25% · 3.875%
HK$97,182
−HK$2,575/mo
Today · 4.125%
HK$99,757
baseline
▲ 0.50% · 4.625%
HK$105,016
+HK$5,259/mo
Deposit HK$12.44M · loan HK$18.65M · min. income ≈ HK$199,514/mo (50% DSR)
Upfront cash ≈ HK$13.76M (deposit + AVD stamp duty HK$1,321,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,253
−HK$6,224/mo
▼ 0.25% · 3.875%
HK$102,341
−HK$3,136/mo
Today · 4.125%
HK$105,477
baseline
▲ 0.50% · 4.625%
HK$111,895
+HK$6,418/mo
Deposit HK$9.33M · loan HK$21.76M · min. income ≈ HK$210,954/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$1,321,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,418
−HK$5,966/mo
▼ 0.25% · 3.875%
HK$113,380
−HK$3,004/mo
Today · 4.125%
HK$116,384
baseline
▲ 0.50% · 4.625%
HK$122,518
+HK$6,134/mo
Deposit HK$9.33M · loan HK$21.76M · min. income ≈ HK$232,768/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$1,321,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,611
−HK$8,003/mo
▼ 0.25% · 3.875%
HK$131,581
−HK$4,033/mo
Today · 4.125%
HK$135,614
baseline
▲ 0.50% · 4.625%
HK$143,865
+HK$8,251/mo
Deposit HK$3.11M · loan HK$27.98M · min. income ≈ HK$271,228/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$1,321,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,966
−HK$7,670/mo
▼ 0.25% · 3.875%
HK$145,774
−HK$3,862/mo
Today · 4.125%
HK$149,636
baseline
▲ 0.50% · 4.625%
HK$157,524
+HK$7,888/mo
Deposit HK$3.11M · loan HK$27.98M · min. income ≈ HK$299,272/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$1,321,362 · Scale 2, in force from 26 Feb 2026)