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$74,072
−HK$4,645/mo
▼ 0.25% · 3.875%
HK$76,376
−HK$2,341/mo
Today · 4.125%
HK$78,717
baseline
▲ 0.50% · 4.625%
HK$83,507
+HK$4,790/mo
Deposit HK$16.24M · loan HK$16.24M · min. income ≈ HK$157,434/mo (50% DSR)
Upfront cash ≈ HK$17.62M (deposit + AVD stamp duty HK$1,380,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,404
−HK$4,452/mo
▼ 0.25% · 3.875%
HK$84,614
−HK$2,242/mo
Today · 4.125%
HK$86,856
baseline
▲ 0.50% · 4.625%
HK$91,435
+HK$4,579/mo
Deposit HK$16.24M · loan HK$16.24M · min. income ≈ HK$173,712/mo (50% DSR)
Upfront cash ≈ HK$17.62M (deposit + AVD stamp duty HK$1,380,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,886
−HK$5,574/mo
▼ 0.25% · 3.875%
HK$91,651
−HK$2,809/mo
Today · 4.125%
HK$94,460
baseline
▲ 0.50% · 4.625%
HK$100,208
+HK$5,748/mo
Deposit HK$12.99M · loan HK$19.49M · min. income ≈ HK$188,920/mo (50% DSR)
Upfront cash ≈ HK$14.37M (deposit + AVD stamp duty HK$1,380,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,885
−HK$5,342/mo
▼ 0.25% · 3.875%
HK$101,537
−HK$2,690/mo
Today · 4.125%
HK$104,227
baseline
▲ 0.50% · 4.625%
HK$109,721
+HK$5,494/mo
Deposit HK$12.99M · loan HK$19.49M · min. income ≈ HK$208,454/mo (50% DSR)
Upfront cash ≈ HK$14.37M (deposit + AVD stamp duty HK$1,380,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,701
−HK$6,503/mo
▼ 0.25% · 3.875%
HK$106,926
−HK$3,278/mo
Today · 4.125%
HK$110,204
baseline
▲ 0.50% · 4.625%
HK$116,909
+HK$6,705/mo
Deposit HK$9.75M · loan HK$22.74M · min. income ≈ HK$220,408/mo (50% DSR)
Upfront cash ≈ HK$11.13M (deposit + AVD stamp duty HK$1,380,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,366
−HK$6,233/mo
▼ 0.25% · 3.875%
HK$118,460
−HK$3,139/mo
Today · 4.125%
HK$121,599
baseline
▲ 0.50% · 4.625%
HK$128,008
+HK$6,409/mo
Deposit HK$9.75M · loan HK$22.74M · min. income ≈ HK$243,198/mo (50% DSR)
Upfront cash ≈ HK$11.13M (deposit + AVD stamp duty HK$1,380,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,329
−HK$8,361/mo
▼ 0.25% · 3.875%
HK$137,477
−HK$4,213/mo
Today · 4.125%
HK$141,690
baseline
▲ 0.50% · 4.625%
HK$150,312
+HK$8,622/mo
Deposit HK$3.25M · loan HK$29.24M · min. income ≈ HK$283,380/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$1,380,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,328
−HK$8,013/mo
▼ 0.25% · 3.875%
HK$152,306
−HK$4,035/mo
Today · 4.125%
HK$156,341
baseline
▲ 0.50% · 4.625%
HK$164,582
+HK$8,241/mo
Deposit HK$3.25M · loan HK$29.24M · min. income ≈ HK$312,682/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$1,380,570 · Scale 2, in force from 26 Feb 2026)