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$79,396
−HK$4,978/mo
▼ 0.25% · 3.875%
HK$81,865
−HK$2,509/mo
Today · 4.125%
HK$84,374
baseline
▲ 0.50% · 4.625%
HK$89,508
+HK$5,134/mo
Deposit HK$17.41M · loan HK$17.41M · min. income ≈ HK$168,748/mo (50% DSR)
Upfront cash ≈ HK$18.89M (deposit + AVD stamp duty HK$1,479,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,327
−HK$4,772/mo
▼ 0.25% · 3.875%
HK$90,696
−HK$2,403/mo
Today · 4.125%
HK$93,099
baseline
▲ 0.50% · 4.625%
HK$98,006
+HK$4,907/mo
Deposit HK$17.41M · loan HK$17.41M · min. income ≈ HK$186,198/mo (50% DSR)
Upfront cash ≈ HK$18.89M (deposit + AVD stamp duty HK$1,479,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,275
−HK$5,974/mo
▼ 0.25% · 3.875%
HK$98,238
−HK$3,011/mo
Today · 4.125%
HK$101,249
baseline
▲ 0.50% · 4.625%
HK$107,410
+HK$6,161/mo
Deposit HK$13.93M · loan HK$20.89M · min. income ≈ HK$202,498/mo (50% DSR)
Upfront cash ≈ HK$15.41M (deposit + AVD stamp duty HK$1,479,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,992
−HK$5,727/mo
▼ 0.25% · 3.875%
HK$108,835
−HK$2,884/mo
Today · 4.125%
HK$111,719
baseline
▲ 0.50% · 4.625%
HK$117,607
+HK$5,888/mo
Deposit HK$13.93M · loan HK$20.89M · min. income ≈ HK$223,438/mo (50% DSR)
Upfront cash ≈ HK$15.41M (deposit + AVD stamp duty HK$1,479,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,154
−HK$6,970/mo
▼ 0.25% · 3.875%
HK$114,611
−HK$3,513/mo
Today · 4.125%
HK$118,124
baseline
▲ 0.50% · 4.625%
HK$125,312
+HK$7,188/mo
Deposit HK$10.45M · loan HK$24.37M · min. income ≈ HK$236,248/mo (50% DSR)
Upfront cash ≈ HK$11.93M (deposit + AVD stamp duty HK$1,479,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,657
−HK$6,681/mo
▼ 0.25% · 3.875%
HK$126,974
−HK$3,364/mo
Today · 4.125%
HK$130,338
baseline
▲ 0.50% · 4.625%
HK$137,209
+HK$6,871/mo
Deposit HK$10.45M · loan HK$24.37M · min. income ≈ HK$260,676/mo (50% DSR)
Upfront cash ≈ HK$11.93M (deposit + AVD stamp duty HK$1,479,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,912
−HK$8,962/mo
▼ 0.25% · 3.875%
HK$147,357
−HK$4,517/mo
Today · 4.125%
HK$151,874
baseline
▲ 0.50% · 4.625%
HK$161,115
+HK$9,241/mo
Deposit HK$3.48M · loan HK$31.34M · min. income ≈ HK$303,748/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$1,479,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,988
−HK$8,590/mo
▼ 0.25% · 3.875%
HK$163,252
−HK$4,326/mo
Today · 4.125%
HK$167,578
baseline
▲ 0.50% · 4.625%
HK$176,411
+HK$8,833/mo
Deposit HK$3.48M · loan HK$31.34M · min. income ≈ HK$335,156/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$1,479,795 · Scale 2, in force from 26 Feb 2026)