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$69,509
−HK$4,358/mo
▼ 0.25% · 3.875%
HK$71,671
−HK$2,196/mo
Today · 4.125%
HK$73,867
baseline
▲ 0.50% · 4.625%
HK$78,362
+HK$4,495/mo
Deposit HK$15.24M · loan HK$15.24M · min. income ≈ HK$147,734/mo (50% DSR)
Upfront cash ≈ HK$16.54M (deposit + AVD stamp duty HK$1,295,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,328
−HK$4,177/mo
▼ 0.25% · 3.875%
HK$79,402
−HK$2,103/mo
Today · 4.125%
HK$81,505
baseline
▲ 0.50% · 4.625%
HK$85,802
+HK$4,297/mo
Deposit HK$15.24M · loan HK$15.24M · min. income ≈ HK$163,010/mo (50% DSR)
Upfront cash ≈ HK$16.54M (deposit + AVD stamp duty HK$1,295,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,410
−HK$5,231/mo
▼ 0.25% · 3.875%
HK$86,005
−HK$2,636/mo
Today · 4.125%
HK$88,641
baseline
▲ 0.50% · 4.625%
HK$94,035
+HK$5,394/mo
Deposit HK$12.19M · loan HK$18.29M · min. income ≈ HK$177,282/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,295,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,793
−HK$5,014/mo
▼ 0.25% · 3.875%
HK$95,282
−HK$2,525/mo
Today · 4.125%
HK$97,807
baseline
▲ 0.50% · 4.625%
HK$102,962
+HK$5,155/mo
Deposit HK$12.19M · loan HK$18.29M · min. income ≈ HK$195,614/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,295,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,312
−HK$6,102/mo
▼ 0.25% · 3.875%
HK$100,339
−HK$3,075/mo
Today · 4.125%
HK$103,414
baseline
▲ 0.50% · 4.625%
HK$109,707
+HK$6,293/mo
Deposit HK$9.14M · loan HK$21.34M · min. income ≈ HK$206,828/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$1,295,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,259
−HK$5,849/mo
▼ 0.25% · 3.875%
HK$111,162
−HK$2,946/mo
Today · 4.125%
HK$114,108
baseline
▲ 0.50% · 4.625%
HK$120,122
+HK$6,014/mo
Deposit HK$9.14M · loan HK$21.34M · min. income ≈ HK$228,216/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$1,295,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,116
−HK$7,845/mo
▼ 0.25% · 3.875%
HK$129,007
−HK$3,954/mo
Today · 4.125%
HK$132,961
baseline
▲ 0.50% · 4.625%
HK$141,052
+HK$8,091/mo
Deposit HK$3.05M · loan HK$27.43M · min. income ≈ HK$265,922/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$1,295,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,190
−HK$7,520/mo
▼ 0.25% · 3.875%
HK$142,923
−HK$3,787/mo
Today · 4.125%
HK$146,710
baseline
▲ 0.50% · 4.625%
HK$154,443
+HK$7,733/mo
Deposit HK$3.05M · loan HK$27.43M · min. income ≈ HK$293,420/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$1,295,521 · Scale 2, in force from 26 Feb 2026)