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$75,728
−HK$4,748/mo
▼ 0.25% · 3.875%
HK$78,083
−HK$2,393/mo
Today · 4.125%
HK$80,476
baseline
▲ 0.50% · 4.625%
HK$85,373
+HK$4,897/mo
Deposit HK$16.61M · loan HK$16.61M · min. income ≈ HK$160,952/mo (50% DSR)
Upfront cash ≈ HK$18.02M (deposit + AVD stamp duty HK$1,411,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,246
−HK$4,552/mo
▼ 0.25% · 3.875%
HK$86,506
−HK$2,292/mo
Today · 4.125%
HK$88,798
baseline
▲ 0.50% · 4.625%
HK$93,478
+HK$4,680/mo
Deposit HK$16.61M · loan HK$16.61M · min. income ≈ HK$177,596/mo (50% DSR)
Upfront cash ≈ HK$18.02M (deposit + AVD stamp duty HK$1,411,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,873
−HK$5,699/mo
▼ 0.25% · 3.875%
HK$93,700
−HK$2,872/mo
Today · 4.125%
HK$96,572
baseline
▲ 0.50% · 4.625%
HK$102,448
+HK$5,876/mo
Deposit HK$13.28M · loan HK$19.93M · min. income ≈ HK$193,144/mo (50% DSR)
Upfront cash ≈ HK$14.70M (deposit + AVD stamp duty HK$1,411,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,095
−HK$5,462/mo
▼ 0.25% · 3.875%
HK$103,807
−HK$2,750/mo
Today · 4.125%
HK$106,557
baseline
▲ 0.50% · 4.625%
HK$112,174
+HK$5,617/mo
Deposit HK$13.28M · loan HK$19.93M · min. income ≈ HK$213,114/mo (50% DSR)
Upfront cash ≈ HK$14.70M (deposit + AVD stamp duty HK$1,411,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,019
−HK$6,648/mo
▼ 0.25% · 3.875%
HK$109,316
−HK$3,351/mo
Today · 4.125%
HK$112,667
baseline
▲ 0.50% · 4.625%
HK$119,522
+HK$6,855/mo
Deposit HK$9.96M · loan HK$23.25M · min. income ≈ HK$225,334/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$1,411,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,945
−HK$6,372/mo
▼ 0.25% · 3.875%
HK$121,108
−HK$3,209/mo
Today · 4.125%
HK$124,317
baseline
▲ 0.50% · 4.625%
HK$130,870
+HK$6,553/mo
Deposit HK$9.96M · loan HK$23.25M · min. income ≈ HK$248,634/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$1,411,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,310
−HK$8,547/mo
▼ 0.25% · 3.875%
HK$140,550
−HK$4,307/mo
Today · 4.125%
HK$144,857
baseline
▲ 0.50% · 4.625%
HK$153,672
+HK$8,815/mo
Deposit HK$3.32M · loan HK$29.89M · min. income ≈ HK$289,714/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$1,411,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,643
−HK$8,193/mo
▼ 0.25% · 3.875%
HK$155,710
−HK$4,126/mo
Today · 4.125%
HK$159,836
baseline
▲ 0.50% · 4.625%
HK$168,261
+HK$8,425/mo
Deposit HK$3.32M · loan HK$29.89M · min. income ≈ HK$319,672/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$1,411,429 · Scale 2, in force from 26 Feb 2026)