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$69,872
−HK$4,381/mo
▼ 0.25% · 3.875%
HK$72,045
−HK$2,208/mo
Today · 4.125%
HK$74,253
baseline
▲ 0.50% · 4.625%
HK$78,771
+HK$4,518/mo
Deposit HK$15.32M · loan HK$15.32M · min. income ≈ HK$148,506/mo (50% DSR)
Upfront cash ≈ HK$16.62M (deposit + AVD stamp duty HK$1,302,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,731
−HK$4,200/mo
▼ 0.25% · 3.875%
HK$79,816
−HK$2,115/mo
Today · 4.125%
HK$81,931
baseline
▲ 0.50% · 4.625%
HK$86,250
+HK$4,319/mo
Deposit HK$15.32M · loan HK$15.32M · min. income ≈ HK$163,862/mo (50% DSR)
Upfront cash ≈ HK$16.62M (deposit + AVD stamp duty HK$1,302,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,846
−HK$5,258/mo
▼ 0.25% · 3.875%
HK$86,454
−HK$2,650/mo
Today · 4.125%
HK$89,104
baseline
▲ 0.50% · 4.625%
HK$94,526
+HK$5,422/mo
Deposit HK$12.26M · loan HK$18.39M · min. income ≈ HK$178,208/mo (50% DSR)
Upfront cash ≈ HK$13.56M (deposit + AVD stamp duty HK$1,302,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,278
−HK$5,039/mo
▼ 0.25% · 3.875%
HK$95,779
−HK$2,538/mo
Today · 4.125%
HK$98,317
baseline
▲ 0.50% · 4.625%
HK$103,500
+HK$5,183/mo
Deposit HK$12.26M · loan HK$18.39M · min. income ≈ HK$196,634/mo (50% DSR)
Upfront cash ≈ HK$13.56M (deposit + AVD stamp duty HK$1,302,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,820
−HK$6,134/mo
▼ 0.25% · 3.875%
HK$100,863
−HK$3,091/mo
Today · 4.125%
HK$103,954
baseline
▲ 0.50% · 4.625%
HK$110,280
+HK$6,326/mo
Deposit HK$9.19M · loan HK$21.45M · min. income ≈ HK$207,908/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$1,302,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,824
−HK$5,879/mo
▼ 0.25% · 3.875%
HK$111,743
−HK$2,960/mo
Today · 4.125%
HK$114,703
baseline
▲ 0.50% · 4.625%
HK$120,750
+HK$6,047/mo
Deposit HK$9.19M · loan HK$21.45M · min. income ≈ HK$229,406/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$1,302,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,769
−HK$7,887/mo
▼ 0.25% · 3.875%
HK$129,681
−HK$3,975/mo
Today · 4.125%
HK$133,656
baseline
▲ 0.50% · 4.625%
HK$141,788
+HK$8,132/mo
Deposit HK$3.06M · loan HK$27.58M · min. income ≈ HK$267,312/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$1,302,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,917
−HK$7,559/mo
▼ 0.25% · 3.875%
HK$143,669
−HK$3,807/mo
Today · 4.125%
HK$147,476
baseline
▲ 0.50% · 4.625%
HK$155,249
+HK$7,773/mo
Deposit HK$3.06M · loan HK$27.58M · min. income ≈ HK$294,952/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$1,302,285 · Scale 2, in force from 26 Feb 2026)