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$70,737
−HK$4,435/mo
▼ 0.25% · 3.875%
HK$72,937
−HK$2,235/mo
Today · 4.125%
HK$75,172
baseline
▲ 0.50% · 4.625%
HK$79,747
+HK$4,575/mo
Deposit HK$15.51M · loan HK$15.51M · min. income ≈ HK$150,344/mo (50% DSR)
Upfront cash ≈ HK$16.83M (deposit + AVD stamp duty HK$1,318,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,694
−HK$4,251/mo
▼ 0.25% · 3.875%
HK$80,804
−HK$2,141/mo
Today · 4.125%
HK$82,945
baseline
▲ 0.50% · 4.625%
HK$87,318
+HK$4,373/mo
Deposit HK$15.51M · loan HK$15.51M · min. income ≈ HK$165,890/mo (50% DSR)
Upfront cash ≈ HK$16.83M (deposit + AVD stamp duty HK$1,318,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,884
−HK$5,323/mo
▼ 0.25% · 3.875%
HK$87,524
−HK$2,683/mo
Today · 4.125%
HK$90,207
baseline
▲ 0.50% · 4.625%
HK$95,696
+HK$5,489/mo
Deposit HK$12.41M · loan HK$18.61M · min. income ≈ HK$180,414/mo (50% DSR)
Upfront cash ≈ HK$13.73M (deposit + AVD stamp duty HK$1,318,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,433
−HK$5,101/mo
▼ 0.25% · 3.875%
HK$96,965
−HK$2,569/mo
Today · 4.125%
HK$99,534
baseline
▲ 0.50% · 4.625%
HK$104,781
+HK$5,247/mo
Deposit HK$12.41M · loan HK$18.61M · min. income ≈ HK$199,068/mo (50% DSR)
Upfront cash ≈ HK$13.73M (deposit + AVD stamp duty HK$1,318,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,031
−HK$6,210/mo
▼ 0.25% · 3.875%
HK$102,112
−HK$3,129/mo
Today · 4.125%
HK$105,241
baseline
▲ 0.50% · 4.625%
HK$111,645
+HK$6,404/mo
Deposit HK$9.31M · loan HK$21.71M · min. income ≈ HK$210,482/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$1,318,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,171
−HK$5,953/mo
▼ 0.25% · 3.875%
HK$113,126
−HK$2,998/mo
Today · 4.125%
HK$116,124
baseline
▲ 0.50% · 4.625%
HK$122,245
+HK$6,121/mo
Deposit HK$9.31M · loan HK$21.71M · min. income ≈ HK$232,248/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$1,318,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,326
−HK$7,984/mo
▼ 0.25% · 3.875%
HK$131,287
−HK$4,023/mo
Today · 4.125%
HK$135,310
baseline
▲ 0.50% · 4.625%
HK$143,544
+HK$8,234/mo
Deposit HK$3.10M · loan HK$27.92M · min. income ≈ HK$270,620/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$1,318,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,649
−HK$7,653/mo
▼ 0.25% · 3.875%
HK$145,448
−HK$3,854/mo
Today · 4.125%
HK$149,302
baseline
▲ 0.50% · 4.625%
HK$157,172
+HK$7,870/mo
Deposit HK$3.10M · loan HK$27.92M · min. income ≈ HK$298,604/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$1,318,408 · Scale 2, in force from 26 Feb 2026)