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$72,638
−HK$4,555/mo
▼ 0.25% · 3.875%
HK$74,897
−HK$2,296/mo
Today · 4.125%
HK$77,193
baseline
▲ 0.50% · 4.625%
HK$81,890
+HK$4,697/mo
Deposit HK$15.93M · loan HK$15.93M · min. income ≈ HK$154,386/mo (50% DSR)
Upfront cash ≈ HK$17.28M (deposit + AVD stamp duty HK$1,353,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,809
−HK$4,366/mo
▼ 0.25% · 3.875%
HK$82,976
−HK$2,199/mo
Today · 4.125%
HK$85,175
baseline
▲ 0.50% · 4.625%
HK$89,664
+HK$4,489/mo
Deposit HK$15.93M · loan HK$15.93M · min. income ≈ HK$170,350/mo (50% DSR)
Upfront cash ≈ HK$17.28M (deposit + AVD stamp duty HK$1,353,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,165
−HK$5,466/mo
▼ 0.25% · 3.875%
HK$89,877
−HK$2,754/mo
Today · 4.125%
HK$92,631
baseline
▲ 0.50% · 4.625%
HK$98,268
+HK$5,637/mo
Deposit HK$12.74M · loan HK$19.11M · min. income ≈ HK$185,262/mo (50% DSR)
Upfront cash ≈ HK$14.10M (deposit + AVD stamp duty HK$1,353,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,971
−HK$5,239/mo
▼ 0.25% · 3.875%
HK$99,571
−HK$2,639/mo
Today · 4.125%
HK$102,210
baseline
▲ 0.50% · 4.625%
HK$107,597
+HK$5,387/mo
Deposit HK$12.74M · loan HK$19.11M · min. income ≈ HK$204,420/mo (50% DSR)
Upfront cash ≈ HK$14.10M (deposit + AVD stamp duty HK$1,353,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,693
−HK$6,377/mo
▼ 0.25% · 3.875%
HK$104,856
−HK$3,214/mo
Today · 4.125%
HK$108,070
baseline
▲ 0.50% · 4.625%
HK$114,646
+HK$6,576/mo
Deposit HK$9.56M · loan HK$22.30M · min. income ≈ HK$216,140/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$1,353,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,132
−HK$6,113/mo
▼ 0.25% · 3.875%
HK$116,166
−HK$3,079/mo
Today · 4.125%
HK$119,245
baseline
▲ 0.50% · 4.625%
HK$125,530
+HK$6,285/mo
Deposit HK$9.56M · loan HK$22.30M · min. income ≈ HK$238,490/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$1,353,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,748
−HK$8,199/mo
▼ 0.25% · 3.875%
HK$134,815
−HK$4,132/mo
Today · 4.125%
HK$138,947
baseline
▲ 0.50% · 4.625%
HK$147,402
+HK$8,455/mo
Deposit HK$3.19M · loan HK$28.67M · min. income ≈ HK$277,894/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$1,353,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,456
−HK$7,858/mo
▼ 0.25% · 3.875%
HK$149,357
−HK$3,957/mo
Today · 4.125%
HK$153,314
baseline
▲ 0.50% · 4.625%
HK$161,396
+HK$8,082/mo
Deposit HK$3.19M · loan HK$28.67M · min. income ≈ HK$306,628/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$1,353,842 · Scale 2, in force from 26 Feb 2026)