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$76,638
−HK$4,806/mo
▼ 0.25% · 3.875%
HK$79,022
−HK$2,422/mo
Today · 4.125%
HK$81,444
baseline
▲ 0.50% · 4.625%
HK$86,400
+HK$4,956/mo
Deposit HK$16.80M · loan HK$16.80M · min. income ≈ HK$162,888/mo (50% DSR)
Upfront cash ≈ HK$18.23M (deposit + AVD stamp duty HK$1,428,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,259
−HK$4,607/mo
▼ 0.25% · 3.875%
HK$87,546
−HK$2,320/mo
Today · 4.125%
HK$89,866
baseline
▲ 0.50% · 4.625%
HK$94,603
+HK$4,737/mo
Deposit HK$16.80M · loan HK$16.80M · min. income ≈ HK$179,732/mo (50% DSR)
Upfront cash ≈ HK$18.23M (deposit + AVD stamp duty HK$1,428,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,966
−HK$5,767/mo
▼ 0.25% · 3.875%
HK$94,827
−HK$2,906/mo
Today · 4.125%
HK$97,733
baseline
▲ 0.50% · 4.625%
HK$103,680
+HK$5,947/mo
Deposit HK$13.44M · loan HK$20.17M · min. income ≈ HK$195,466/mo (50% DSR)
Upfront cash ≈ HK$14.87M (deposit + AVD stamp duty HK$1,428,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,311
−HK$5,528/mo
▼ 0.25% · 3.875%
HK$105,055
−HK$2,784/mo
Today · 4.125%
HK$107,839
baseline
▲ 0.50% · 4.625%
HK$113,523
+HK$5,684/mo
Deposit HK$13.44M · loan HK$20.17M · min. income ≈ HK$215,678/mo (50% DSR)
Upfront cash ≈ HK$14.87M (deposit + AVD stamp duty HK$1,428,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,294
−HK$6,728/mo
▼ 0.25% · 3.875%
HK$110,631
−HK$3,391/mo
Today · 4.125%
HK$114,022
baseline
▲ 0.50% · 4.625%
HK$120,960
+HK$6,938/mo
Deposit HK$10.08M · loan HK$23.53M · min. income ≈ HK$228,044/mo (50% DSR)
Upfront cash ≈ HK$11.51M (deposit + AVD stamp duty HK$1,428,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,363
−HK$6,449/mo
▼ 0.25% · 3.875%
HK$122,564
−HK$3,248/mo
Today · 4.125%
HK$125,812
baseline
▲ 0.50% · 4.625%
HK$132,444
+HK$6,632/mo
Deposit HK$10.08M · loan HK$23.53M · min. income ≈ HK$251,624/mo (50% DSR)
Upfront cash ≈ HK$11.51M (deposit + AVD stamp duty HK$1,428,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,949
−HK$8,651/mo
▼ 0.25% · 3.875%
HK$142,240
−HK$4,360/mo
Today · 4.125%
HK$146,600
baseline
▲ 0.50% · 4.625%
HK$155,520
+HK$8,920/mo
Deposit HK$3.36M · loan HK$30.25M · min. income ≈ HK$293,200/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$1,428,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,467
−HK$8,291/mo
▼ 0.25% · 3.875%
HK$157,583
−HK$4,175/mo
Today · 4.125%
HK$161,758
baseline
▲ 0.50% · 4.625%
HK$170,285
+HK$8,527/mo
Deposit HK$3.36M · loan HK$30.25M · min. income ≈ HK$323,516/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$1,428,406 · Scale 2, in force from 26 Feb 2026)