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$77,116
−HK$4,836/mo
▼ 0.25% · 3.875%
HK$79,515
−HK$2,437/mo
Today · 4.125%
HK$81,952
baseline
▲ 0.50% · 4.625%
HK$86,939
+HK$4,987/mo
Deposit HK$16.91M · loan HK$16.91M · min. income ≈ HK$163,904/mo (50% DSR)
Upfront cash ≈ HK$18.35M (deposit + AVD stamp duty HK$1,437,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,791
−HK$4,635/mo
▼ 0.25% · 3.875%
HK$88,092
−HK$2,334/mo
Today · 4.125%
HK$90,426
baseline
▲ 0.50% · 4.625%
HK$95,193
+HK$4,767/mo
Deposit HK$16.91M · loan HK$16.91M · min. income ≈ HK$180,852/mo (50% DSR)
Upfront cash ≈ HK$18.35M (deposit + AVD stamp duty HK$1,437,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,540
−HK$5,803/mo
▼ 0.25% · 3.875%
HK$95,418
−HK$2,925/mo
Today · 4.125%
HK$98,343
baseline
▲ 0.50% · 4.625%
HK$104,327
+HK$5,984/mo
Deposit HK$13.53M · loan HK$20.29M · min. income ≈ HK$196,686/mo (50% DSR)
Upfront cash ≈ HK$14.96M (deposit + AVD stamp duty HK$1,437,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,949
−HK$5,562/mo
▼ 0.25% · 3.875%
HK$105,710
−HK$2,801/mo
Today · 4.125%
HK$108,511
baseline
▲ 0.50% · 4.625%
HK$114,231
+HK$5,720/mo
Deposit HK$13.53M · loan HK$20.29M · min. income ≈ HK$217,022/mo (50% DSR)
Upfront cash ≈ HK$14.96M (deposit + AVD stamp duty HK$1,437,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,963
−HK$6,770/mo
▼ 0.25% · 3.875%
HK$111,321
−HK$3,412/mo
Today · 4.125%
HK$114,733
baseline
▲ 0.50% · 4.625%
HK$121,714
+HK$6,981/mo
Deposit HK$10.15M · loan HK$23.67M · min. income ≈ HK$229,466/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$1,437,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,108
−HK$6,489/mo
▼ 0.25% · 3.875%
HK$123,329
−HK$3,268/mo
Today · 4.125%
HK$126,597
baseline
▲ 0.50% · 4.625%
HK$133,270
+HK$6,673/mo
Deposit HK$10.15M · loan HK$23.67M · min. income ≈ HK$253,194/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$1,437,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,809
−HK$8,705/mo
▼ 0.25% · 3.875%
HK$143,127
−HK$4,387/mo
Today · 4.125%
HK$147,514
baseline
▲ 0.50% · 4.625%
HK$156,490
+HK$8,976/mo
Deposit HK$3.38M · loan HK$30.44M · min. income ≈ HK$295,028/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$1,437,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,424
−HK$8,343/mo
▼ 0.25% · 3.875%
HK$158,566
−HK$4,201/mo
Today · 4.125%
HK$162,767
baseline
▲ 0.50% · 4.625%
HK$171,347
+HK$8,580/mo
Deposit HK$3.38M · loan HK$30.44M · min. income ≈ HK$325,534/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$1,437,315 · Scale 2, in force from 26 Feb 2026)