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$78,015
−HK$4,893/mo
▼ 0.25% · 3.875%
HK$80,442
−HK$2,466/mo
Today · 4.125%
HK$82,908
baseline
▲ 0.50% · 4.625%
HK$87,952
+HK$5,044/mo
Deposit HK$17.11M · loan HK$17.11M · min. income ≈ HK$165,816/mo (50% DSR)
Upfront cash ≈ HK$18.56M (deposit + AVD stamp duty HK$1,454,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,791
−HK$4,689/mo
▼ 0.25% · 3.875%
HK$89,119
−HK$2,361/mo
Today · 4.125%
HK$91,480
baseline
▲ 0.50% · 4.625%
HK$96,302
+HK$4,822/mo
Deposit HK$17.11M · loan HK$17.11M · min. income ≈ HK$182,960/mo (50% DSR)
Upfront cash ≈ HK$18.56M (deposit + AVD stamp duty HK$1,454,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,618
−HK$5,871/mo
▼ 0.25% · 3.875%
HK$96,530
−HK$2,959/mo
Today · 4.125%
HK$99,489
baseline
▲ 0.50% · 4.625%
HK$105,543
+HK$6,054/mo
Deposit HK$13.69M · loan HK$20.53M · min. income ≈ HK$198,978/mo (50% DSR)
Upfront cash ≈ HK$15.14M (deposit + AVD stamp duty HK$1,454,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,149
−HK$5,627/mo
▼ 0.25% · 3.875%
HK$106,943
−HK$2,833/mo
Today · 4.125%
HK$109,776
baseline
▲ 0.50% · 4.625%
HK$115,563
+HK$5,787/mo
Deposit HK$13.69M · loan HK$20.53M · min. income ≈ HK$219,552/mo (50% DSR)
Upfront cash ≈ HK$15.14M (deposit + AVD stamp duty HK$1,454,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,221
−HK$6,850/mo
▼ 0.25% · 3.875%
HK$112,619
−HK$3,452/mo
Today · 4.125%
HK$116,071
baseline
▲ 0.50% · 4.625%
HK$123,133
+HK$7,062/mo
Deposit HK$10.26M · loan HK$23.95M · min. income ≈ HK$232,142/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$1,454,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,508
−HK$6,564/mo
▼ 0.25% · 3.875%
HK$124,766
−HK$3,306/mo
Today · 4.125%
HK$128,072
baseline
▲ 0.50% · 4.625%
HK$134,823
+HK$6,751/mo
Deposit HK$10.26M · loan HK$23.95M · min. income ≈ HK$256,144/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$1,454,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,427
−HK$8,807/mo
▼ 0.25% · 3.875%
HK$144,796
−HK$4,438/mo
Today · 4.125%
HK$149,234
baseline
▲ 0.50% · 4.625%
HK$158,314
+HK$9,080/mo
Deposit HK$3.42M · loan HK$30.79M · min. income ≈ HK$298,468/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$1,454,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,224
−HK$8,440/mo
▼ 0.25% · 3.875%
HK$160,414
−HK$4,250/mo
Today · 4.125%
HK$164,664
baseline
▲ 0.50% · 4.625%
HK$173,344
+HK$8,680/mo
Deposit HK$3.42M · loan HK$30.79M · min. income ≈ HK$329,328/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$1,454,069 · Scale 2, in force from 26 Feb 2026)