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$77,000
−HK$4,829/mo
▼ 0.25% · 3.875%
HK$79,395
−HK$2,434/mo
Today · 4.125%
HK$81,829
baseline
▲ 0.50% · 4.625%
HK$86,808
+HK$4,979/mo
Deposit HK$16.88M · loan HK$16.88M · min. income ≈ HK$163,658/mo (50% DSR)
Upfront cash ≈ HK$18.32M (deposit + AVD stamp duty HK$1,435,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,662
−HK$4,628/mo
▼ 0.25% · 3.875%
HK$87,959
−HK$2,331/mo
Today · 4.125%
HK$90,290
baseline
▲ 0.50% · 4.625%
HK$95,049
+HK$4,759/mo
Deposit HK$16.88M · loan HK$16.88M · min. income ≈ HK$180,580/mo (50% DSR)
Upfront cash ≈ HK$18.32M (deposit + AVD stamp duty HK$1,435,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,400
−HK$5,794/mo
▼ 0.25% · 3.875%
HK$95,274
−HK$2,920/mo
Today · 4.125%
HK$98,194
baseline
▲ 0.50% · 4.625%
HK$104,169
+HK$5,975/mo
Deposit HK$13.51M · loan HK$20.26M · min. income ≈ HK$196,388/mo (50% DSR)
Upfront cash ≈ HK$14.94M (deposit + AVD stamp duty HK$1,435,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,794
−HK$5,554/mo
▼ 0.25% · 3.875%
HK$105,551
−HK$2,797/mo
Today · 4.125%
HK$108,348
baseline
▲ 0.50% · 4.625%
HK$114,059
+HK$5,711/mo
Deposit HK$13.51M · loan HK$20.26M · min. income ≈ HK$216,696/mo (50% DSR)
Upfront cash ≈ HK$14.94M (deposit + AVD stamp duty HK$1,435,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,800
−HK$6,760/mo
▼ 0.25% · 3.875%
HK$111,153
−HK$3,407/mo
Today · 4.125%
HK$114,560
baseline
▲ 0.50% · 4.625%
HK$121,531
+HK$6,971/mo
Deposit HK$10.13M · loan HK$23.64M · min. income ≈ HK$229,120/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$1,435,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,926
−HK$6,480/mo
▼ 0.25% · 3.875%
HK$123,143
−HK$3,263/mo
Today · 4.125%
HK$126,406
baseline
▲ 0.50% · 4.625%
HK$133,069
+HK$6,663/mo
Deposit HK$10.13M · loan HK$23.64M · min. income ≈ HK$252,812/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$1,435,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,600
−HK$8,691/mo
▼ 0.25% · 3.875%
HK$142,911
−HK$4,380/mo
Today · 4.125%
HK$147,291
baseline
▲ 0.50% · 4.625%
HK$156,254
+HK$8,963/mo
Deposit HK$3.38M · loan HK$30.39M · min. income ≈ HK$294,582/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$1,435,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,191
−HK$8,330/mo
▼ 0.25% · 3.875%
HK$158,326
−HK$4,195/mo
Today · 4.125%
HK$162,521
baseline
▲ 0.50% · 4.625%
HK$171,088
+HK$8,567/mo
Deposit HK$3.38M · loan HK$30.39M · min. income ≈ HK$325,042/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$1,435,145 · Scale 2, in force from 26 Feb 2026)