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$72,818
−HK$4,566/mo
▼ 0.25% · 3.875%
HK$75,083
−HK$2,301/mo
Today · 4.125%
HK$77,384
baseline
▲ 0.50% · 4.625%
HK$82,093
+HK$4,709/mo
Deposit HK$15.97M · loan HK$15.97M · min. income ≈ HK$154,768/mo (50% DSR)
Upfront cash ≈ HK$17.32M (deposit + AVD stamp duty HK$1,357,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,009
−HK$4,377/mo
▼ 0.25% · 3.875%
HK$83,182
−HK$2,204/mo
Today · 4.125%
HK$85,386
baseline
▲ 0.50% · 4.625%
HK$89,887
+HK$4,501/mo
Deposit HK$15.97M · loan HK$15.97M · min. income ≈ HK$170,772/mo (50% DSR)
Upfront cash ≈ HK$17.32M (deposit + AVD stamp duty HK$1,357,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,382
−HK$5,479/mo
▼ 0.25% · 3.875%
HK$90,100
−HK$2,761/mo
Today · 4.125%
HK$92,861
baseline
▲ 0.50% · 4.625%
HK$98,512
+HK$5,651/mo
Deposit HK$12.77M · loan HK$19.16M · min. income ≈ HK$185,722/mo (50% DSR)
Upfront cash ≈ HK$14.13M (deposit + AVD stamp duty HK$1,357,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,211
−HK$5,252/mo
▼ 0.25% · 3.875%
HK$99,818
−HK$2,645/mo
Today · 4.125%
HK$102,463
baseline
▲ 0.50% · 4.625%
HK$107,864
+HK$5,401/mo
Deposit HK$12.77M · loan HK$19.16M · min. income ≈ HK$204,926/mo (50% DSR)
Upfront cash ≈ HK$14.13M (deposit + AVD stamp duty HK$1,357,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,945
−HK$6,393/mo
▼ 0.25% · 3.875%
HK$105,116
−HK$3,222/mo
Today · 4.125%
HK$108,338
baseline
▲ 0.50% · 4.625%
HK$114,930
+HK$6,592/mo
Deposit HK$9.58M · loan HK$22.35M · min. income ≈ HK$216,676/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$1,357,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,413
−HK$6,127/mo
▼ 0.25% · 3.875%
HK$116,455
−HK$3,085/mo
Today · 4.125%
HK$119,540
baseline
▲ 0.50% · 4.625%
HK$125,842
+HK$6,302/mo
Deposit HK$9.58M · loan HK$22.35M · min. income ≈ HK$239,080/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$1,357,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,073
−HK$8,219/mo
▼ 0.25% · 3.875%
HK$135,150
−HK$4,142/mo
Today · 4.125%
HK$139,292
baseline
▲ 0.50% · 4.625%
HK$147,768
+HK$8,476/mo
Deposit HK$3.19M · loan HK$28.74M · min. income ≈ HK$278,584/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$1,357,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,817
−HK$7,878/mo
▼ 0.25% · 3.875%
HK$149,728
−HK$3,967/mo
Today · 4.125%
HK$153,695
baseline
▲ 0.50% · 4.625%
HK$161,796
+HK$8,101/mo
Deposit HK$3.19M · loan HK$28.74M · min. income ≈ HK$307,390/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$1,357,202 · Scale 2, in force from 26 Feb 2026)