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$76,450
−HK$4,794/mo
▼ 0.25% · 3.875%
HK$78,828
−HK$2,416/mo
Today · 4.125%
HK$81,244
baseline
▲ 0.50% · 4.625%
HK$86,187
+HK$4,943/mo
Deposit HK$16.76M · loan HK$16.76M · min. income ≈ HK$162,488/mo (50% DSR)
Upfront cash ≈ HK$18.19M (deposit + AVD stamp duty HK$1,424,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,050
−HK$4,595/mo
▼ 0.25% · 3.875%
HK$87,331
−HK$2,314/mo
Today · 4.125%
HK$89,645
baseline
▲ 0.50% · 4.625%
HK$94,370
+HK$4,725/mo
Deposit HK$16.76M · loan HK$16.76M · min. income ≈ HK$179,290/mo (50% DSR)
Upfront cash ≈ HK$18.19M (deposit + AVD stamp duty HK$1,424,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,740
−HK$5,753/mo
▼ 0.25% · 3.875%
HK$94,593
−HK$2,900/mo
Today · 4.125%
HK$97,493
baseline
▲ 0.50% · 4.625%
HK$103,425
+HK$5,932/mo
Deposit HK$13.41M · loan HK$20.12M · min. income ≈ HK$194,986/mo (50% DSR)
Upfront cash ≈ HK$14.84M (deposit + AVD stamp duty HK$1,424,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,060
−HK$5,514/mo
▼ 0.25% · 3.875%
HK$104,797
−HK$2,777/mo
Today · 4.125%
HK$107,574
baseline
▲ 0.50% · 4.625%
HK$113,244
+HK$5,670/mo
Deposit HK$13.41M · loan HK$20.12M · min. income ≈ HK$215,148/mo (50% DSR)
Upfront cash ≈ HK$14.84M (deposit + AVD stamp duty HK$1,424,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,030
−HK$6,712/mo
▼ 0.25% · 3.875%
HK$110,359
−HK$3,383/mo
Today · 4.125%
HK$113,742
baseline
▲ 0.50% · 4.625%
HK$120,662
+HK$6,920/mo
Deposit HK$10.06M · loan HK$23.47M · min. income ≈ HK$227,484/mo (50% DSR)
Upfront cash ≈ HK$11.48M (deposit + AVD stamp duty HK$1,424,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,070
−HK$6,433/mo
▼ 0.25% · 3.875%
HK$122,263
−HK$3,240/mo
Today · 4.125%
HK$125,503
baseline
▲ 0.50% · 4.625%
HK$132,118
+HK$6,615/mo
Deposit HK$10.06M · loan HK$23.47M · min. income ≈ HK$251,006/mo (50% DSR)
Upfront cash ≈ HK$11.48M (deposit + AVD stamp duty HK$1,424,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,610
−HK$8,629/mo
▼ 0.25% · 3.875%
HK$141,890
−HK$4,349/mo
Today · 4.125%
HK$146,239
baseline
▲ 0.50% · 4.625%
HK$155,137
+HK$8,898/mo
Deposit HK$3.35M · loan HK$30.17M · min. income ≈ HK$292,478/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$1,424,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,090
−HK$8,270/mo
▼ 0.25% · 3.875%
HK$157,195
−HK$4,165/mo
Today · 4.125%
HK$161,360
baseline
▲ 0.50% · 4.625%
HK$169,866
+HK$8,506/mo
Deposit HK$3.35M · loan HK$30.17M · min. income ≈ HK$322,720/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$1,424,893 · Scale 2, in force from 26 Feb 2026)