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$78,967
−HK$4,952/mo
▼ 0.25% · 3.875%
HK$81,424
−HK$2,495/mo
Today · 4.125%
HK$83,919
baseline
▲ 0.50% · 4.625%
HK$89,025
+HK$5,106/mo
Deposit HK$17.32M · loan HK$17.32M · min. income ≈ HK$167,838/mo (50% DSR)
Upfront cash ≈ HK$18.79M (deposit + AVD stamp duty HK$1,471,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,850
−HK$4,746/mo
▼ 0.25% · 3.875%
HK$90,206
−HK$2,390/mo
Today · 4.125%
HK$92,596
baseline
▲ 0.50% · 4.625%
HK$97,477
+HK$4,881/mo
Deposit HK$17.32M · loan HK$17.32M · min. income ≈ HK$185,192/mo (50% DSR)
Upfront cash ≈ HK$18.79M (deposit + AVD stamp duty HK$1,471,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,761
−HK$5,942/mo
▼ 0.25% · 3.875%
HK$97,708
−HK$2,995/mo
Today · 4.125%
HK$100,703
baseline
▲ 0.50% · 4.625%
HK$106,830
+HK$6,127/mo
Deposit HK$13.85M · loan HK$20.78M · min. income ≈ HK$201,406/mo (50% DSR)
Upfront cash ≈ HK$15.32M (deposit + AVD stamp duty HK$1,471,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,420
−HK$5,696/mo
▼ 0.25% · 3.875%
HK$108,248
−HK$2,868/mo
Today · 4.125%
HK$111,116
baseline
▲ 0.50% · 4.625%
HK$116,973
+HK$5,857/mo
Deposit HK$13.85M · loan HK$20.78M · min. income ≈ HK$222,232/mo (50% DSR)
Upfront cash ≈ HK$15.32M (deposit + AVD stamp duty HK$1,471,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,554
−HK$6,933/mo
▼ 0.25% · 3.875%
HK$113,993
−HK$3,494/mo
Today · 4.125%
HK$117,487
baseline
▲ 0.50% · 4.625%
HK$124,636
+HK$7,149/mo
Deposit HK$10.39M · loan HK$24.24M · min. income ≈ HK$234,974/mo (50% DSR)
Upfront cash ≈ HK$11.86M (deposit + AVD stamp duty HK$1,471,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,990
−HK$6,645/mo
▼ 0.25% · 3.875%
HK$126,289
−HK$3,346/mo
Today · 4.125%
HK$129,635
baseline
▲ 0.50% · 4.625%
HK$136,468
+HK$6,833/mo
Deposit HK$10.39M · loan HK$24.24M · min. income ≈ HK$259,270/mo (50% DSR)
Upfront cash ≈ HK$11.86M (deposit + AVD stamp duty HK$1,471,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,141
−HK$8,913/mo
▼ 0.25% · 3.875%
HK$146,562
−HK$4,492/mo
Today · 4.125%
HK$151,054
baseline
▲ 0.50% · 4.625%
HK$160,246
+HK$9,192/mo
Deposit HK$3.46M · loan HK$31.17M · min. income ≈ HK$302,108/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$1,471,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,130
−HK$8,544/mo
▼ 0.25% · 3.875%
HK$162,371
−HK$4,303/mo
Today · 4.125%
HK$166,674
baseline
▲ 0.50% · 4.625%
HK$175,459
+HK$8,785/mo
Deposit HK$3.46M · loan HK$31.17M · min. income ≈ HK$333,348/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$1,471,811 · Scale 2, in force from 26 Feb 2026)