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$76,703
−HK$4,810/mo
▼ 0.25% · 3.875%
HK$79,089
−HK$2,424/mo
Today · 4.125%
HK$81,513
baseline
▲ 0.50% · 4.625%
HK$86,473
+HK$4,960/mo
Deposit HK$16.82M · loan HK$16.82M · min. income ≈ HK$163,026/mo (50% DSR)
Upfront cash ≈ HK$18.25M (deposit + AVD stamp duty HK$1,429,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,332
−HK$4,610/mo
▼ 0.25% · 3.875%
HK$87,620
−HK$2,322/mo
Today · 4.125%
HK$89,942
baseline
▲ 0.50% · 4.625%
HK$94,683
+HK$4,741/mo
Deposit HK$16.82M · loan HK$16.82M · min. income ≈ HK$179,884/mo (50% DSR)
Upfront cash ≈ HK$18.25M (deposit + AVD stamp duty HK$1,429,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,044
−HK$5,772/mo
▼ 0.25% · 3.875%
HK$94,907
−HK$2,909/mo
Today · 4.125%
HK$97,816
baseline
▲ 0.50% · 4.625%
HK$103,768
+HK$5,952/mo
Deposit HK$13.46M · loan HK$20.18M · min. income ≈ HK$195,632/mo (50% DSR)
Upfront cash ≈ HK$14.88M (deposit + AVD stamp duty HK$1,429,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,398
−HK$5,533/mo
▼ 0.25% · 3.875%
HK$105,145
−HK$2,786/mo
Today · 4.125%
HK$107,931
baseline
▲ 0.50% · 4.625%
HK$113,620
+HK$5,689/mo
Deposit HK$13.46M · loan HK$20.18M · min. income ≈ HK$215,862/mo (50% DSR)
Upfront cash ≈ HK$14.88M (deposit + AVD stamp duty HK$1,429,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,385
−HK$6,734/mo
▼ 0.25% · 3.875%
HK$110,725
−HK$3,394/mo
Today · 4.125%
HK$114,119
baseline
▲ 0.50% · 4.625%
HK$121,063
+HK$6,944/mo
Deposit HK$10.09M · loan HK$23.55M · min. income ≈ HK$228,238/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$1,429,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,465
−HK$6,454/mo
▼ 0.25% · 3.875%
HK$122,669
−HK$3,250/mo
Today · 4.125%
HK$125,919
baseline
▲ 0.50% · 4.625%
HK$132,556
+HK$6,637/mo
Deposit HK$10.09M · loan HK$23.55M · min. income ≈ HK$251,838/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$1,429,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,066
−HK$8,658/mo
▼ 0.25% · 3.875%
HK$142,361
−HK$4,363/mo
Today · 4.125%
HK$146,724
baseline
▲ 0.50% · 4.625%
HK$155,652
+HK$8,928/mo
Deposit HK$3.36M · loan HK$30.27M · min. income ≈ HK$293,448/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$1,429,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,597
−HK$8,299/mo
▼ 0.25% · 3.875%
HK$157,717
−HK$4,179/mo
Today · 4.125%
HK$161,896
baseline
▲ 0.50% · 4.625%
HK$170,430
+HK$8,534/mo
Deposit HK$3.36M · loan HK$30.27M · min. income ≈ HK$323,792/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$1,429,620 · Scale 2, in force from 26 Feb 2026)