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$70,658
−HK$4,431/mo
▼ 0.25% · 3.875%
HK$72,856
−HK$2,233/mo
Today · 4.125%
HK$75,089
baseline
▲ 0.50% · 4.625%
HK$79,658
+HK$4,569/mo
Deposit HK$15.49M · loan HK$15.49M · min. income ≈ HK$150,178/mo (50% DSR)
Upfront cash ≈ HK$16.81M (deposit + AVD stamp duty HK$1,316,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,607
−HK$4,246/mo
▼ 0.25% · 3.875%
HK$80,715
−HK$2,138/mo
Today · 4.125%
HK$82,853
baseline
▲ 0.50% · 4.625%
HK$87,221
+HK$4,368/mo
Deposit HK$15.49M · loan HK$15.49M · min. income ≈ HK$165,706/mo (50% DSR)
Upfront cash ≈ HK$16.81M (deposit + AVD stamp duty HK$1,316,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,790
−HK$5,317/mo
▼ 0.25% · 3.875%
HK$87,427
−HK$2,680/mo
Today · 4.125%
HK$90,107
baseline
▲ 0.50% · 4.625%
HK$95,590
+HK$5,483/mo
Deposit HK$12.39M · loan HK$18.59M · min. income ≈ HK$180,214/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,316,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,328
−HK$5,096/mo
▼ 0.25% · 3.875%
HK$96,858
−HK$2,566/mo
Today · 4.125%
HK$99,424
baseline
▲ 0.50% · 4.625%
HK$104,665
+HK$5,241/mo
Deposit HK$12.39M · loan HK$18.59M · min. income ≈ HK$198,848/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,316,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,922
−HK$6,203/mo
▼ 0.25% · 3.875%
HK$101,999
−HK$3,126/mo
Today · 4.125%
HK$105,125
baseline
▲ 0.50% · 4.625%
HK$111,521
+HK$6,396/mo
Deposit HK$9.30M · loan HK$21.69M · min. income ≈ HK$210,250/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$1,316,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,049
−HK$5,946/mo
▼ 0.25% · 3.875%
HK$113,001
−HK$2,994/mo
Today · 4.125%
HK$115,995
baseline
▲ 0.50% · 4.625%
HK$122,109
+HK$6,114/mo
Deposit HK$9.30M · loan HK$21.69M · min. income ≈ HK$231,990/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$1,316,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,185
−HK$7,975/mo
▼ 0.25% · 3.875%
HK$131,141
−HK$4,019/mo
Today · 4.125%
HK$135,160
baseline
▲ 0.50% · 4.625%
HK$143,385
+HK$8,225/mo
Deposit HK$3.10M · loan HK$27.89M · min. income ≈ HK$270,320/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$1,316,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,492
−HK$7,644/mo
▼ 0.25% · 3.875%
HK$145,287
−HK$3,849/mo
Today · 4.125%
HK$149,136
baseline
▲ 0.50% · 4.625%
HK$156,997
+HK$7,861/mo
Deposit HK$3.10M · loan HK$27.89M · min. income ≈ HK$298,272/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$1,316,947 · Scale 2, in force from 26 Feb 2026)