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$71,304
−HK$4,471/mo
▼ 0.25% · 3.875%
HK$73,522
−HK$2,253/mo
Today · 4.125%
HK$75,775
baseline
▲ 0.50% · 4.625%
HK$80,386
+HK$4,611/mo
Deposit HK$15.64M · loan HK$15.64M · min. income ≈ HK$151,550/mo (50% DSR)
Upfront cash ≈ HK$16.96M (deposit + AVD stamp duty HK$1,328,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,325
−HK$4,286/mo
▼ 0.25% · 3.875%
HK$81,452
−HK$2,159/mo
Today · 4.125%
HK$83,611
baseline
▲ 0.50% · 4.625%
HK$88,018
+HK$4,407/mo
Deposit HK$15.64M · loan HK$15.64M · min. income ≈ HK$167,222/mo (50% DSR)
Upfront cash ≈ HK$16.96M (deposit + AVD stamp duty HK$1,328,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,565
−HK$5,365/mo
▼ 0.25% · 3.875%
HK$88,226
−HK$2,704/mo
Today · 4.125%
HK$90,930
baseline
▲ 0.50% · 4.625%
HK$96,463
+HK$5,533/mo
Deposit HK$12.51M · loan HK$18.76M · min. income ≈ HK$181,860/mo (50% DSR)
Upfront cash ≈ HK$13.84M (deposit + AVD stamp duty HK$1,328,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,190
−HK$5,143/mo
▼ 0.25% · 3.875%
HK$97,743
−HK$2,590/mo
Today · 4.125%
HK$100,333
baseline
▲ 0.50% · 4.625%
HK$105,621
+HK$5,288/mo
Deposit HK$12.51M · loan HK$18.76M · min. income ≈ HK$200,666/mo (50% DSR)
Upfront cash ≈ HK$13.84M (deposit + AVD stamp duty HK$1,328,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,826
−HK$6,260/mo
▼ 0.25% · 3.875%
HK$102,931
−HK$3,155/mo
Today · 4.125%
HK$106,086
baseline
▲ 0.50% · 4.625%
HK$112,541
+HK$6,455/mo
Deposit HK$9.38M · loan HK$21.89M · min. income ≈ HK$212,172/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$1,328,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,055
−HK$6,000/mo
▼ 0.25% · 3.875%
HK$114,033
−HK$3,022/mo
Today · 4.125%
HK$117,055
baseline
▲ 0.50% · 4.625%
HK$123,225
+HK$6,170/mo
Deposit HK$9.38M · loan HK$21.89M · min. income ≈ HK$234,110/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$1,328,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,347
−HK$8,049/mo
▼ 0.25% · 3.875%
HK$132,340
−HK$4,056/mo
Today · 4.125%
HK$136,396
baseline
▲ 0.50% · 4.625%
HK$144,695
+HK$8,299/mo
Deposit HK$3.13M · loan HK$28.14M · min. income ≈ HK$272,792/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$1,328,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,785
−HK$7,714/mo
▼ 0.25% · 3.875%
HK$146,614
−HK$3,885/mo
Today · 4.125%
HK$150,499
baseline
▲ 0.50% · 4.625%
HK$158,432
+HK$7,933/mo
Deposit HK$3.13M · loan HK$28.14M · min. income ≈ HK$300,998/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$1,328,982 · Scale 2, in force from 26 Feb 2026)