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$70,665
−HK$4,431/mo
▼ 0.25% · 3.875%
HK$72,863
−HK$2,233/mo
Today · 4.125%
HK$75,096
baseline
▲ 0.50% · 4.625%
HK$79,665
+HK$4,569/mo
Deposit HK$15.49M · loan HK$15.49M · min. income ≈ HK$150,192/mo (50% DSR)
Upfront cash ≈ HK$16.81M (deposit + AVD stamp duty HK$1,317,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,614
−HK$4,247/mo
▼ 0.25% · 3.875%
HK$80,722
−HK$2,139/mo
Today · 4.125%
HK$82,861
baseline
▲ 0.50% · 4.625%
HK$87,229
+HK$4,368/mo
Deposit HK$15.49M · loan HK$15.49M · min. income ≈ HK$165,722/mo (50% DSR)
Upfront cash ≈ HK$16.81M (deposit + AVD stamp duty HK$1,317,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,798
−HK$5,317/mo
▼ 0.25% · 3.875%
HK$87,435
−HK$2,680/mo
Today · 4.125%
HK$90,115
baseline
▲ 0.50% · 4.625%
HK$95,599
+HK$5,484/mo
Deposit HK$12.40M · loan HK$18.59M · min. income ≈ HK$180,230/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,317,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,337
−HK$5,096/mo
▼ 0.25% · 3.875%
HK$96,867
−HK$2,566/mo
Today · 4.125%
HK$99,433
baseline
▲ 0.50% · 4.625%
HK$104,675
+HK$5,242/mo
Deposit HK$12.40M · loan HK$18.59M · min. income ≈ HK$198,866/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,317,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,931
−HK$6,203/mo
▼ 0.25% · 3.875%
HK$102,008
−HK$3,126/mo
Today · 4.125%
HK$105,134
baseline
▲ 0.50% · 4.625%
HK$111,532
+HK$6,398/mo
Deposit HK$9.30M · loan HK$21.69M · min. income ≈ HK$210,268/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$1,317,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,059
−HK$5,946/mo
▼ 0.25% · 3.875%
HK$113,011
−HK$2,994/mo
Today · 4.125%
HK$116,005
baseline
▲ 0.50% · 4.625%
HK$122,120
+HK$6,115/mo
Deposit HK$9.30M · loan HK$21.69M · min. income ≈ HK$232,010/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$1,317,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,196
−HK$7,977/mo
▼ 0.25% · 3.875%
HK$131,153
−HK$4,020/mo
Today · 4.125%
HK$135,173
baseline
▲ 0.50% · 4.625%
HK$143,398
+HK$8,225/mo
Deposit HK$3.10M · loan HK$27.89M · min. income ≈ HK$270,346/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$1,317,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,505
−HK$7,645/mo
▼ 0.25% · 3.875%
HK$145,300
−HK$3,850/mo
Today · 4.125%
HK$149,150
baseline
▲ 0.50% · 4.625%
HK$157,012
+HK$7,862/mo
Deposit HK$3.10M · loan HK$27.89M · min. income ≈ HK$298,300/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$1,317,068 · Scale 2, in force from 26 Feb 2026)