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$76,687
−HK$4,809/mo
▼ 0.25% · 3.875%
HK$79,073
−HK$2,423/mo
Today · 4.125%
HK$81,496
baseline
▲ 0.50% · 4.625%
HK$86,455
+HK$4,959/mo
Deposit HK$16.82M · loan HK$16.82M · min. income ≈ HK$162,992/mo (50% DSR)
Upfront cash ≈ HK$18.24M (deposit + AVD stamp duty HK$1,429,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,314
−HK$4,609/mo
▼ 0.25% · 3.875%
HK$87,602
−HK$2,321/mo
Today · 4.125%
HK$89,923
baseline
▲ 0.50% · 4.625%
HK$94,663
+HK$4,740/mo
Deposit HK$16.82M · loan HK$16.82M · min. income ≈ HK$179,846/mo (50% DSR)
Upfront cash ≈ HK$18.24M (deposit + AVD stamp duty HK$1,429,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,025
−HK$5,771/mo
▼ 0.25% · 3.875%
HK$94,887
−HK$2,909/mo
Today · 4.125%
HK$97,796
baseline
▲ 0.50% · 4.625%
HK$103,746
+HK$5,950/mo
Deposit HK$13.45M · loan HK$20.18M · min. income ≈ HK$195,592/mo (50% DSR)
Upfront cash ≈ HK$14.88M (deposit + AVD stamp duty HK$1,429,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,377
−HK$5,531/mo
▼ 0.25% · 3.875%
HK$105,123
−HK$2,785/mo
Today · 4.125%
HK$107,908
baseline
▲ 0.50% · 4.625%
HK$113,596
+HK$5,688/mo
Deposit HK$13.45M · loan HK$20.18M · min. income ≈ HK$215,816/mo (50% DSR)
Upfront cash ≈ HK$14.88M (deposit + AVD stamp duty HK$1,429,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,362
−HK$6,733/mo
▼ 0.25% · 3.875%
HK$110,702
−HK$3,393/mo
Today · 4.125%
HK$114,095
baseline
▲ 0.50% · 4.625%
HK$121,037
+HK$6,942/mo
Deposit HK$10.09M · loan HK$23.54M · min. income ≈ HK$228,190/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$1,429,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,440
−HK$6,453/mo
▼ 0.25% · 3.875%
HK$122,643
−HK$3,250/mo
Today · 4.125%
HK$125,893
baseline
▲ 0.50% · 4.625%
HK$132,529
+HK$6,636/mo
Deposit HK$10.09M · loan HK$23.54M · min. income ≈ HK$251,786/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$1,429,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,037
−HK$8,657/mo
▼ 0.25% · 3.875%
HK$142,331
−HK$4,363/mo
Today · 4.125%
HK$146,694
baseline
▲ 0.50% · 4.625%
HK$155,620
+HK$8,926/mo
Deposit HK$3.36M · loan HK$30.27M · min. income ≈ HK$293,388/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$1,429,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,565
−HK$8,297/mo
▼ 0.25% · 3.875%
HK$157,684
−HK$4,178/mo
Today · 4.125%
HK$161,862
baseline
▲ 0.50% · 4.625%
HK$170,394
+HK$8,532/mo
Deposit HK$3.36M · loan HK$30.27M · min. income ≈ HK$323,724/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$1,429,321 · Scale 2, in force from 26 Feb 2026)