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$75,337
−HK$4,724/mo
▼ 0.25% · 3.875%
HK$77,680
−HK$2,381/mo
Today · 4.125%
HK$80,061
baseline
▲ 0.50% · 4.625%
HK$84,933
+HK$4,872/mo
Deposit HK$16.52M · loan HK$16.52M · min. income ≈ HK$160,122/mo (50% DSR)
Upfront cash ≈ HK$17.92M (deposit + AVD stamp duty HK$1,404,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,811
−HK$4,528/mo
▼ 0.25% · 3.875%
HK$86,059
−HK$2,280/mo
Today · 4.125%
HK$88,339
baseline
▲ 0.50% · 4.625%
HK$92,996
+HK$4,657/mo
Deposit HK$16.52M · loan HK$16.52M · min. income ≈ HK$176,678/mo (50% DSR)
Upfront cash ≈ HK$17.92M (deposit + AVD stamp duty HK$1,404,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,404
−HK$5,669/mo
▼ 0.25% · 3.875%
HK$93,216
−HK$2,857/mo
Today · 4.125%
HK$96,073
baseline
▲ 0.50% · 4.625%
HK$101,919
+HK$5,846/mo
Deposit HK$13.22M · loan HK$19.82M · min. income ≈ HK$192,146/mo (50% DSR)
Upfront cash ≈ HK$14.62M (deposit + AVD stamp duty HK$1,404,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,574
−HK$5,433/mo
▼ 0.25% · 3.875%
HK$103,271
−HK$2,736/mo
Today · 4.125%
HK$106,007
baseline
▲ 0.50% · 4.625%
HK$111,595
+HK$5,588/mo
Deposit HK$13.22M · loan HK$19.82M · min. income ≈ HK$212,014/mo (50% DSR)
Upfront cash ≈ HK$14.62M (deposit + AVD stamp duty HK$1,404,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,471
−HK$6,614/mo
▼ 0.25% · 3.875%
HK$108,752
−HK$3,333/mo
Today · 4.125%
HK$112,085
baseline
▲ 0.50% · 4.625%
HK$118,906
+HK$6,821/mo
Deposit HK$9.91M · loan HK$23.13M · min. income ≈ HK$224,170/mo (50% DSR)
Upfront cash ≈ HK$11.32M (deposit + AVD stamp duty HK$1,404,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,336
−HK$6,339/mo
▼ 0.25% · 3.875%
HK$120,483
−HK$3,192/mo
Today · 4.125%
HK$123,675
baseline
▲ 0.50% · 4.625%
HK$130,194
+HK$6,519/mo
Deposit HK$9.91M · loan HK$23.13M · min. income ≈ HK$247,350/mo (50% DSR)
Upfront cash ≈ HK$11.32M (deposit + AVD stamp duty HK$1,404,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,606
−HK$8,504/mo
▼ 0.25% · 3.875%
HK$139,824
−HK$4,286/mo
Today · 4.125%
HK$144,110
baseline
▲ 0.50% · 4.625%
HK$152,879
+HK$8,769/mo
Deposit HK$3.30M · loan HK$29.73M · min. income ≈ HK$288,220/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$1,404,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,860
−HK$8,151/mo
▼ 0.25% · 3.875%
HK$154,906
−HK$4,105/mo
Today · 4.125%
HK$159,011
baseline
▲ 0.50% · 4.625%
HK$167,393
+HK$8,382/mo
Deposit HK$3.30M · loan HK$29.73M · min. income ≈ HK$318,022/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$1,404,145 · Scale 2, in force from 26 Feb 2026)