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$69,947
−HK$4,386/mo
▼ 0.25% · 3.875%
HK$72,123
−HK$2,210/mo
Today · 4.125%
HK$74,333
baseline
▲ 0.50% · 4.625%
HK$78,856
+HK$4,523/mo
Deposit HK$15.34M · loan HK$15.34M · min. income ≈ HK$148,666/mo (50% DSR)
Upfront cash ≈ HK$16.64M (deposit + AVD stamp duty HK$1,303,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,815
−HK$4,204/mo
▼ 0.25% · 3.875%
HK$79,902
−HK$2,117/mo
Today · 4.125%
HK$82,019
baseline
▲ 0.50% · 4.625%
HK$86,343
+HK$4,324/mo
Deposit HK$15.34M · loan HK$15.34M · min. income ≈ HK$164,038/mo (50% DSR)
Upfront cash ≈ HK$16.64M (deposit + AVD stamp duty HK$1,303,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,936
−HK$5,264/mo
▼ 0.25% · 3.875%
HK$86,547
−HK$2,653/mo
Today · 4.125%
HK$89,200
baseline
▲ 0.50% · 4.625%
HK$94,628
+HK$5,428/mo
Deposit HK$12.27M · loan HK$18.41M · min. income ≈ HK$178,400/mo (50% DSR)
Upfront cash ≈ HK$13.57M (deposit + AVD stamp duty HK$1,303,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,378
−HK$5,045/mo
▼ 0.25% · 3.875%
HK$95,883
−HK$2,540/mo
Today · 4.125%
HK$98,423
baseline
▲ 0.50% · 4.625%
HK$103,611
+HK$5,188/mo
Deposit HK$12.27M · loan HK$18.41M · min. income ≈ HK$196,846/mo (50% DSR)
Upfront cash ≈ HK$13.57M (deposit + AVD stamp duty HK$1,303,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,926
−HK$6,141/mo
▼ 0.25% · 3.875%
HK$100,972
−HK$3,095/mo
Today · 4.125%
HK$104,067
baseline
▲ 0.50% · 4.625%
HK$110,399
+HK$6,332/mo
Deposit HK$9.20M · loan HK$21.47M · min. income ≈ HK$208,134/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$1,303,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,941
−HK$5,886/mo
▼ 0.25% · 3.875%
HK$111,863
−HK$2,964/mo
Today · 4.125%
HK$114,827
baseline
▲ 0.50% · 4.625%
HK$120,880
+HK$6,053/mo
Deposit HK$9.20M · loan HK$21.47M · min. income ≈ HK$229,654/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$1,303,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,905
−HK$7,895/mo
▼ 0.25% · 3.875%
HK$129,821
−HK$3,979/mo
Today · 4.125%
HK$133,800
baseline
▲ 0.50% · 4.625%
HK$141,941
+HK$8,141/mo
Deposit HK$3.07M · loan HK$27.61M · min. income ≈ HK$267,600/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$1,303,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,068
−HK$7,567/mo
▼ 0.25% · 3.875%
HK$143,824
−HK$3,811/mo
Today · 4.125%
HK$147,635
baseline
▲ 0.50% · 4.625%
HK$155,417
+HK$7,782/mo
Deposit HK$3.07M · loan HK$27.61M · min. income ≈ HK$295,270/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$1,303,690 · Scale 2, in force from 26 Feb 2026)