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$78,820
−HK$4,943/mo
▼ 0.25% · 3.875%
HK$81,272
−HK$2,491/mo
Today · 4.125%
HK$83,763
baseline
▲ 0.50% · 4.625%
HK$88,860
+HK$5,097/mo
Deposit HK$17.28M · loan HK$17.28M · min. income ≈ HK$167,526/mo (50% DSR)
Upfront cash ≈ HK$18.75M (deposit + AVD stamp duty HK$1,469,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,687
−HK$4,737/mo
▼ 0.25% · 3.875%
HK$90,039
−HK$2,385/mo
Today · 4.125%
HK$92,424
baseline
▲ 0.50% · 4.625%
HK$97,296
+HK$4,872/mo
Deposit HK$17.28M · loan HK$17.28M · min. income ≈ HK$184,848/mo (50% DSR)
Upfront cash ≈ HK$18.75M (deposit + AVD stamp duty HK$1,469,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,585
−HK$5,931/mo
▼ 0.25% · 3.875%
HK$97,527
−HK$2,989/mo
Today · 4.125%
HK$100,516
baseline
▲ 0.50% · 4.625%
HK$106,632
+HK$6,116/mo
Deposit HK$13.83M · loan HK$20.74M · min. income ≈ HK$201,032/mo (50% DSR)
Upfront cash ≈ HK$15.30M (deposit + AVD stamp duty HK$1,469,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,224
−HK$5,685/mo
▼ 0.25% · 3.875%
HK$108,046
−HK$2,863/mo
Today · 4.125%
HK$110,909
baseline
▲ 0.50% · 4.625%
HK$116,756
+HK$5,847/mo
Deposit HK$13.83M · loan HK$20.74M · min. income ≈ HK$221,818/mo (50% DSR)
Upfront cash ≈ HK$15.30M (deposit + AVD stamp duty HK$1,469,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,349
−HK$6,920/mo
▼ 0.25% · 3.875%
HK$113,781
−HK$3,488/mo
Today · 4.125%
HK$117,269
baseline
▲ 0.50% · 4.625%
HK$124,404
+HK$7,135/mo
Deposit HK$10.37M · loan HK$24.20M · min. income ≈ HK$234,538/mo (50% DSR)
Upfront cash ≈ HK$11.84M (deposit + AVD stamp duty HK$1,469,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,762
−HK$6,632/mo
▼ 0.25% · 3.875%
HK$126,054
−HK$3,340/mo
Today · 4.125%
HK$129,394
baseline
▲ 0.50% · 4.625%
HK$136,215
+HK$6,821/mo
Deposit HK$10.37M · loan HK$24.20M · min. income ≈ HK$258,788/mo (50% DSR)
Upfront cash ≈ HK$11.84M (deposit + AVD stamp duty HK$1,469,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,877
−HK$8,897/mo
▼ 0.25% · 3.875%
HK$146,290
−HK$4,484/mo
Today · 4.125%
HK$150,774
baseline
▲ 0.50% · 4.625%
HK$159,948
+HK$9,174/mo
Deposit HK$3.46M · loan HK$31.11M · min. income ≈ HK$301,548/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$1,469,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,837
−HK$8,527/mo
▼ 0.25% · 3.875%
HK$162,070
−HK$4,294/mo
Today · 4.125%
HK$166,364
baseline
▲ 0.50% · 4.625%
HK$175,133
+HK$8,769/mo
Deposit HK$3.46M · loan HK$31.11M · min. income ≈ HK$332,728/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$1,469,077 · Scale 2, in force from 26 Feb 2026)