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$79,549
−HK$4,989/mo
▼ 0.25% · 3.875%
HK$82,024
−HK$2,514/mo
Today · 4.125%
HK$84,538
baseline
▲ 0.50% · 4.625%
HK$89,681
+HK$5,143/mo
Deposit HK$17.44M · loan HK$17.44M · min. income ≈ HK$169,076/mo (50% DSR)
Upfront cash ≈ HK$18.93M (deposit + AVD stamp duty HK$1,482,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,498
−HK$4,781/mo
▼ 0.25% · 3.875%
HK$90,871
−HK$2,408/mo
Today · 4.125%
HK$93,279
baseline
▲ 0.50% · 4.625%
HK$98,196
+HK$4,917/mo
Deposit HK$17.44M · loan HK$17.44M · min. income ≈ HK$186,558/mo (50% DSR)
Upfront cash ≈ HK$18.93M (deposit + AVD stamp duty HK$1,482,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,459
−HK$5,986/mo
▼ 0.25% · 3.875%
HK$98,428
−HK$3,017/mo
Today · 4.125%
HK$101,445
baseline
▲ 0.50% · 4.625%
HK$107,618
+HK$6,173/mo
Deposit HK$13.95M · loan HK$20.93M · min. income ≈ HK$202,890/mo (50% DSR)
Upfront cash ≈ HK$15.44M (deposit + AVD stamp duty HK$1,482,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,197
−HK$5,738/mo
▼ 0.25% · 3.875%
HK$109,045
−HK$2,890/mo
Today · 4.125%
HK$111,935
baseline
▲ 0.50% · 4.625%
HK$117,835
+HK$5,900/mo
Deposit HK$13.95M · loan HK$20.93M · min. income ≈ HK$223,870/mo (50% DSR)
Upfront cash ≈ HK$15.44M (deposit + AVD stamp duty HK$1,482,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,369
−HK$6,984/mo
▼ 0.25% · 3.875%
HK$114,833
−HK$3,520/mo
Today · 4.125%
HK$118,353
baseline
▲ 0.50% · 4.625%
HK$125,554
+HK$7,201/mo
Deposit HK$10.47M · loan HK$24.42M · min. income ≈ HK$236,706/mo (50% DSR)
Upfront cash ≈ HK$11.95M (deposit + AVD stamp duty HK$1,482,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,897
−HK$6,693/mo
▼ 0.25% · 3.875%
HK$127,219
−HK$3,371/mo
Today · 4.125%
HK$130,590
baseline
▲ 0.50% · 4.625%
HK$137,474
+HK$6,884/mo
Deposit HK$10.47M · loan HK$24.42M · min. income ≈ HK$261,180/mo (50% DSR)
Upfront cash ≈ HK$11.95M (deposit + AVD stamp duty HK$1,482,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,188
−HK$8,980/mo
▼ 0.25% · 3.875%
HK$147,642
−HK$4,526/mo
Today · 4.125%
HK$152,168
baseline
▲ 0.50% · 4.625%
HK$161,427
+HK$9,259/mo
Deposit HK$3.49M · loan HK$31.40M · min. income ≈ HK$304,336/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$1,482,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,296
−HK$8,606/mo
▼ 0.25% · 3.875%
HK$163,568
−HK$4,334/mo
Today · 4.125%
HK$167,902
baseline
▲ 0.50% · 4.625%
HK$176,752
+HK$8,850/mo
Deposit HK$3.49M · loan HK$31.40M · min. income ≈ HK$335,804/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$1,482,657 · Scale 2, in force from 26 Feb 2026)