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$78,756
−HK$4,938/mo
▼ 0.25% · 3.875%
HK$81,206
−HK$2,488/mo
Today · 4.125%
HK$83,694
baseline
▲ 0.50% · 4.625%
HK$88,787
+HK$5,093/mo
Deposit HK$17.27M · loan HK$17.27M · min. income ≈ HK$167,388/mo (50% DSR)
Upfront cash ≈ HK$18.74M (deposit + AVD stamp duty HK$1,467,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,615
−HK$4,734/mo
▼ 0.25% · 3.875%
HK$89,965
−HK$2,384/mo
Today · 4.125%
HK$92,349
baseline
▲ 0.50% · 4.625%
HK$97,216
+HK$4,867/mo
Deposit HK$17.27M · loan HK$17.27M · min. income ≈ HK$184,698/mo (50% DSR)
Upfront cash ≈ HK$18.74M (deposit + AVD stamp duty HK$1,467,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,507
−HK$5,926/mo
▼ 0.25% · 3.875%
HK$97,447
−HK$2,986/mo
Today · 4.125%
HK$100,433
baseline
▲ 0.50% · 4.625%
HK$106,545
+HK$6,112/mo
Deposit HK$13.82M · loan HK$20.72M · min. income ≈ HK$200,866/mo (50% DSR)
Upfront cash ≈ HK$15.28M (deposit + AVD stamp duty HK$1,467,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,138
−HK$5,680/mo
▼ 0.25% · 3.875%
HK$107,958
−HK$2,860/mo
Today · 4.125%
HK$110,818
baseline
▲ 0.50% · 4.625%
HK$116,660
+HK$5,842/mo
Deposit HK$13.82M · loan HK$20.72M · min. income ≈ HK$221,636/mo (50% DSR)
Upfront cash ≈ HK$15.28M (deposit + AVD stamp duty HK$1,467,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,258
−HK$6,914/mo
▼ 0.25% · 3.875%
HK$113,688
−HK$3,484/mo
Today · 4.125%
HK$117,172
baseline
▲ 0.50% · 4.625%
HK$124,302
+HK$7,130/mo
Deposit HK$10.36M · loan HK$24.18M · min. income ≈ HK$234,344/mo (50% DSR)
Upfront cash ≈ HK$11.83M (deposit + AVD stamp duty HK$1,467,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,661
−HK$6,627/mo
▼ 0.25% · 3.875%
HK$125,951
−HK$3,337/mo
Today · 4.125%
HK$129,288
baseline
▲ 0.50% · 4.625%
HK$136,103
+HK$6,815/mo
Deposit HK$10.36M · loan HK$24.18M · min. income ≈ HK$258,576/mo (50% DSR)
Upfront cash ≈ HK$11.83M (deposit + AVD stamp duty HK$1,467,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,760
−HK$8,890/mo
▼ 0.25% · 3.875%
HK$146,170
−HK$4,480/mo
Today · 4.125%
HK$150,650
baseline
▲ 0.50% · 4.625%
HK$159,817
+HK$9,167/mo
Deposit HK$3.45M · loan HK$31.08M · min. income ≈ HK$301,300/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$1,467,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,707
−HK$8,521/mo
▼ 0.25% · 3.875%
HK$161,937
−HK$4,291/mo
Today · 4.125%
HK$166,228
baseline
▲ 0.50% · 4.625%
HK$174,990
+HK$8,762/mo
Deposit HK$3.45M · loan HK$31.08M · min. income ≈ HK$332,456/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$1,467,871 · Scale 2, in force from 26 Feb 2026)