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$79,651
−HK$4,995/mo
▼ 0.25% · 3.875%
HK$82,129
−HK$2,517/mo
Today · 4.125%
HK$84,646
baseline
▲ 0.50% · 4.625%
HK$89,796
+HK$5,150/mo
Deposit HK$17.47M · loan HK$17.47M · min. income ≈ HK$169,292/mo (50% DSR)
Upfront cash ≈ HK$18.95M (deposit + AVD stamp duty HK$1,484,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,611
−HK$4,787/mo
▼ 0.25% · 3.875%
HK$90,987
−HK$2,411/mo
Today · 4.125%
HK$93,398
baseline
▲ 0.50% · 4.625%
HK$98,321
+HK$4,923/mo
Deposit HK$17.47M · loan HK$17.47M · min. income ≈ HK$186,796/mo (50% DSR)
Upfront cash ≈ HK$18.95M (deposit + AVD stamp duty HK$1,484,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,581
−HK$5,994/mo
▼ 0.25% · 3.875%
HK$98,554
−HK$3,021/mo
Today · 4.125%
HK$101,575
baseline
▲ 0.50% · 4.625%
HK$107,756
+HK$6,181/mo
Deposit HK$13.97M · loan HK$20.96M · min. income ≈ HK$203,150/mo (50% DSR)
Upfront cash ≈ HK$15.46M (deposit + AVD stamp duty HK$1,484,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,333
−HK$5,745/mo
▼ 0.25% · 3.875%
HK$109,185
−HK$2,893/mo
Today · 4.125%
HK$112,078
baseline
▲ 0.50% · 4.625%
HK$117,986
+HK$5,908/mo
Deposit HK$13.97M · loan HK$20.96M · min. income ≈ HK$224,156/mo (50% DSR)
Upfront cash ≈ HK$15.46M (deposit + AVD stamp duty HK$1,484,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,511
−HK$6,993/mo
▼ 0.25% · 3.875%
HK$114,980
−HK$3,524/mo
Today · 4.125%
HK$118,504
baseline
▲ 0.50% · 4.625%
HK$125,715
+HK$7,211/mo
Deposit HK$10.48M · loan HK$24.45M · min. income ≈ HK$237,008/mo (50% DSR)
Upfront cash ≈ HK$11.96M (deposit + AVD stamp duty HK$1,484,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,055
−HK$6,703/mo
▼ 0.25% · 3.875%
HK$127,382
−HK$3,376/mo
Today · 4.125%
HK$130,758
baseline
▲ 0.50% · 4.625%
HK$137,650
+HK$6,892/mo
Deposit HK$10.48M · loan HK$24.45M · min. income ≈ HK$261,516/mo (50% DSR)
Upfront cash ≈ HK$11.96M (deposit + AVD stamp duty HK$1,484,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,372
−HK$8,991/mo
▼ 0.25% · 3.875%
HK$147,832
−HK$4,531/mo
Today · 4.125%
HK$152,363
baseline
▲ 0.50% · 4.625%
HK$161,633
+HK$9,270/mo
Deposit HK$3.49M · loan HK$31.44M · min. income ≈ HK$304,726/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$1,484,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,500
−HK$8,617/mo
▼ 0.25% · 3.875%
HK$163,777
−HK$4,340/mo
Today · 4.125%
HK$168,117
baseline
▲ 0.50% · 4.625%
HK$176,979
+HK$8,862/mo
Deposit HK$3.49M · loan HK$31.44M · min. income ≈ HK$336,234/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$1,484,557 · Scale 2, in force from 26 Feb 2026)