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$69,707
−HK$4,372/mo
▼ 0.25% · 3.875%
HK$71,876
−HK$2,203/mo
Today · 4.125%
HK$74,079
baseline
▲ 0.50% · 4.625%
HK$78,586
+HK$4,507/mo
Deposit HK$15.28M · loan HK$15.28M · min. income ≈ HK$148,158/mo (50% DSR)
Upfront cash ≈ HK$16.58M (deposit + AVD stamp duty HK$1,299,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,549
−HK$4,189/mo
▼ 0.25% · 3.875%
HK$79,629
−HK$2,109/mo
Today · 4.125%
HK$81,738
baseline
▲ 0.50% · 4.625%
HK$86,047
+HK$4,309/mo
Deposit HK$15.28M · loan HK$15.28M · min. income ≈ HK$163,476/mo (50% DSR)
Upfront cash ≈ HK$16.58M (deposit + AVD stamp duty HK$1,299,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,649
−HK$5,245/mo
▼ 0.25% · 3.875%
HK$86,251
−HK$2,643/mo
Today · 4.125%
HK$88,894
baseline
▲ 0.50% · 4.625%
HK$94,303
+HK$5,409/mo
Deposit HK$12.23M · loan HK$18.34M · min. income ≈ HK$177,788/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,299,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,058
−HK$5,028/mo
▼ 0.25% · 3.875%
HK$95,554
−HK$2,532/mo
Today · 4.125%
HK$98,086
baseline
▲ 0.50% · 4.625%
HK$103,256
+HK$5,170/mo
Deposit HK$12.23M · loan HK$18.34M · min. income ≈ HK$196,172/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,299,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,590
−HK$6,120/mo
▼ 0.25% · 3.875%
HK$100,626
−HK$3,084/mo
Today · 4.125%
HK$103,710
baseline
▲ 0.50% · 4.625%
HK$110,021
+HK$6,311/mo
Deposit HK$9.17M · loan HK$21.40M · min. income ≈ HK$207,420/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$1,299,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,568
−HK$5,866/mo
▼ 0.25% · 3.875%
HK$111,480
−HK$2,954/mo
Today · 4.125%
HK$114,434
baseline
▲ 0.50% · 4.625%
HK$120,466
+HK$6,032/mo
Deposit HK$9.17M · loan HK$21.40M · min. income ≈ HK$228,868/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$1,299,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,473
−HK$7,869/mo
▼ 0.25% · 3.875%
HK$129,376
−HK$3,966/mo
Today · 4.125%
HK$133,342
baseline
▲ 0.50% · 4.625%
HK$141,455
+HK$8,113/mo
Deposit HK$3.06M · loan HK$27.51M · min. income ≈ HK$266,684/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,299,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,588
−HK$7,541/mo
▼ 0.25% · 3.875%
HK$143,331
−HK$3,798/mo
Today · 4.125%
HK$147,129
baseline
▲ 0.50% · 4.625%
HK$154,885
+HK$7,756/mo
Deposit HK$3.06M · loan HK$27.51M · min. income ≈ HK$294,258/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,299,224 · Scale 2, in force from 26 Feb 2026)