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$81,750
−HK$5,126/mo
▼ 0.25% · 3.875%
HK$84,293
−HK$2,583/mo
Today · 4.125%
HK$86,876
baseline
▲ 0.50% · 4.625%
HK$92,162
+HK$5,286/mo
Deposit HK$17.93M · loan HK$17.93M · min. income ≈ HK$173,752/mo (50% DSR)
Upfront cash ≈ HK$19.45M (deposit + AVD stamp duty HK$1,523,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,946
−HK$4,913/mo
▼ 0.25% · 3.875%
HK$93,385
−HK$2,474/mo
Today · 4.125%
HK$95,859
baseline
▲ 0.50% · 4.625%
HK$100,912
+HK$5,053/mo
Deposit HK$17.93M · loan HK$17.93M · min. income ≈ HK$191,718/mo (50% DSR)
Upfront cash ≈ HK$19.45M (deposit + AVD stamp duty HK$1,523,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,100
−HK$6,151/mo
▼ 0.25% · 3.875%
HK$101,151
−HK$3,100/mo
Today · 4.125%
HK$104,251
baseline
▲ 0.50% · 4.625%
HK$110,595
+HK$6,344/mo
Deposit HK$14.34M · loan HK$21.51M · min. income ≈ HK$208,502/mo (50% DSR)
Upfront cash ≈ HK$15.86M (deposit + AVD stamp duty HK$1,523,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,135
−HK$5,896/mo
▼ 0.25% · 3.875%
HK$112,062
−HK$2,969/mo
Today · 4.125%
HK$115,031
baseline
▲ 0.50% · 4.625%
HK$121,095
+HK$6,064/mo
Deposit HK$14.34M · loan HK$21.51M · min. income ≈ HK$230,062/mo (50% DSR)
Upfront cash ≈ HK$15.86M (deposit + AVD stamp duty HK$1,523,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,450
−HK$7,177/mo
▼ 0.25% · 3.875%
HK$118,010
−HK$3,617/mo
Today · 4.125%
HK$121,627
baseline
▲ 0.50% · 4.625%
HK$129,027
+HK$7,400/mo
Deposit HK$10.76M · loan HK$25.10M · min. income ≈ HK$243,254/mo (50% DSR)
Upfront cash ≈ HK$12.28M (deposit + AVD stamp duty HK$1,523,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,324
−HK$6,879/mo
▼ 0.25% · 3.875%
HK$130,739
−HK$3,464/mo
Today · 4.125%
HK$134,203
baseline
▲ 0.50% · 4.625%
HK$141,277
+HK$7,074/mo
Deposit HK$10.76M · loan HK$25.10M · min. income ≈ HK$268,406/mo (50% DSR)
Upfront cash ≈ HK$12.28M (deposit + AVD stamp duty HK$1,523,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,150
−HK$9,227/mo
▼ 0.25% · 3.875%
HK$151,727
−HK$4,650/mo
Today · 4.125%
HK$156,377
baseline
▲ 0.50% · 4.625%
HK$165,892
+HK$9,515/mo
Deposit HK$3.59M · loan HK$32.27M · min. income ≈ HK$312,754/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$1,523,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,702
−HK$8,845/mo
▼ 0.25% · 3.875%
HK$168,093
−HK$4,454/mo
Today · 4.125%
HK$172,547
baseline
▲ 0.50% · 4.625%
HK$181,642
+HK$9,095/mo
Deposit HK$3.59M · loan HK$32.27M · min. income ≈ HK$345,094/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$1,523,674 · Scale 2, in force from 26 Feb 2026)