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$74,479
−HK$4,670/mo
▼ 0.25% · 3.875%
HK$76,795
−HK$2,354/mo
Today · 4.125%
HK$79,149
baseline
▲ 0.50% · 4.625%
HK$83,965
+HK$4,816/mo
Deposit HK$16.33M · loan HK$16.33M · min. income ≈ HK$158,298/mo (50% DSR)
Upfront cash ≈ HK$17.72M (deposit + AVD stamp duty HK$1,388,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,857
−HK$4,476/mo
▼ 0.25% · 3.875%
HK$85,079
−HK$2,254/mo
Today · 4.125%
HK$87,333
baseline
▲ 0.50% · 4.625%
HK$91,937
+HK$4,604/mo
Deposit HK$16.33M · loan HK$16.33M · min. income ≈ HK$174,666/mo (50% DSR)
Upfront cash ≈ HK$17.72M (deposit + AVD stamp duty HK$1,388,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,374
−HK$5,605/mo
▼ 0.25% · 3.875%
HK$92,154
−HK$2,825/mo
Today · 4.125%
HK$94,979
baseline
▲ 0.50% · 4.625%
HK$100,758
+HK$5,779/mo
Deposit HK$13.06M · loan HK$19.60M · min. income ≈ HK$189,958/mo (50% DSR)
Upfront cash ≈ HK$14.45M (deposit + AVD stamp duty HK$1,388,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,428
−HK$5,372/mo
▼ 0.25% · 3.875%
HK$102,095
−HK$2,705/mo
Today · 4.125%
HK$104,800
baseline
▲ 0.50% · 4.625%
HK$110,324
+HK$5,524/mo
Deposit HK$13.06M · loan HK$19.60M · min. income ≈ HK$209,600/mo (50% DSR)
Upfront cash ≈ HK$14.45M (deposit + AVD stamp duty HK$1,388,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,270
−HK$6,539/mo
▼ 0.25% · 3.875%
HK$107,513
−HK$3,296/mo
Today · 4.125%
HK$110,809
baseline
▲ 0.50% · 4.625%
HK$117,551
+HK$6,742/mo
Deposit HK$9.80M · loan HK$22.86M · min. income ≈ HK$221,618/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$1,388,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,999
−HK$6,267/mo
▼ 0.25% · 3.875%
HK$119,110
−HK$3,156/mo
Today · 4.125%
HK$122,266
baseline
▲ 0.50% · 4.625%
HK$128,711
+HK$6,445/mo
Deposit HK$9.80M · loan HK$22.86M · min. income ≈ HK$244,532/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$1,388,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,061
−HK$8,407/mo
▼ 0.25% · 3.875%
HK$138,231
−HK$4,237/mo
Today · 4.125%
HK$142,468
baseline
▲ 0.50% · 4.625%
HK$151,137
+HK$8,669/mo
Deposit HK$3.27M · loan HK$29.40M · min. income ≈ HK$284,936/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$1,388,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,142
−HK$8,058/mo
▼ 0.25% · 3.875%
HK$153,142
−HK$4,058/mo
Today · 4.125%
HK$157,200
baseline
▲ 0.50% · 4.625%
HK$165,486
+HK$8,286/mo
Deposit HK$3.27M · loan HK$29.40M · min. income ≈ HK$314,400/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$1,388,150 · Scale 2, in force from 26 Feb 2026)