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$74,700
−HK$4,684/mo
▼ 0.25% · 3.875%
HK$77,024
−HK$2,360/mo
Today · 4.125%
HK$79,384
baseline
▲ 0.50% · 4.625%
HK$84,215
+HK$4,831/mo
Deposit HK$16.38M · loan HK$16.38M · min. income ≈ HK$158,768/mo (50% DSR)
Upfront cash ≈ HK$17.77M (deposit + AVD stamp duty HK$1,392,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,103
−HK$4,490/mo
▼ 0.25% · 3.875%
HK$85,332
−HK$2,261/mo
Today · 4.125%
HK$87,593
baseline
▲ 0.50% · 4.625%
HK$92,210
+HK$4,617/mo
Deposit HK$16.38M · loan HK$16.38M · min. income ≈ HK$175,186/mo (50% DSR)
Upfront cash ≈ HK$17.77M (deposit + AVD stamp duty HK$1,392,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,640
−HK$5,621/mo
▼ 0.25% · 3.875%
HK$92,428
−HK$2,833/mo
Today · 4.125%
HK$95,261
baseline
▲ 0.50% · 4.625%
HK$101,058
+HK$5,797/mo
Deposit HK$13.10M · loan HK$19.66M · min. income ≈ HK$190,522/mo (50% DSR)
Upfront cash ≈ HK$14.50M (deposit + AVD stamp duty HK$1,392,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,724
−HK$5,388/mo
▼ 0.25% · 3.875%
HK$102,398
−HK$2,714/mo
Today · 4.125%
HK$105,112
baseline
▲ 0.50% · 4.625%
HK$110,652
+HK$5,540/mo
Deposit HK$13.10M · loan HK$19.66M · min. income ≈ HK$210,224/mo (50% DSR)
Upfront cash ≈ HK$14.50M (deposit + AVD stamp duty HK$1,392,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,580
−HK$6,558/mo
▼ 0.25% · 3.875%
HK$107,833
−HK$3,305/mo
Today · 4.125%
HK$111,138
baseline
▲ 0.50% · 4.625%
HK$117,901
+HK$6,763/mo
Deposit HK$9.83M · loan HK$22.93M · min. income ≈ HK$222,276/mo (50% DSR)
Upfront cash ≈ HK$11.22M (deposit + AVD stamp duty HK$1,392,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,344
−HK$6,286/mo
▼ 0.25% · 3.875%
HK$119,465
−HK$3,165/mo
Today · 4.125%
HK$122,630
baseline
▲ 0.50% · 4.625%
HK$129,094
+HK$6,464/mo
Deposit HK$9.83M · loan HK$22.93M · min. income ≈ HK$245,260/mo (50% DSR)
Upfront cash ≈ HK$11.22M (deposit + AVD stamp duty HK$1,392,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,460
−HK$8,432/mo
▼ 0.25% · 3.875%
HK$138,643
−HK$4,249/mo
Today · 4.125%
HK$142,892
baseline
▲ 0.50% · 4.625%
HK$151,587
+HK$8,695/mo
Deposit HK$3.28M · loan HK$29.48M · min. income ≈ HK$285,784/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$1,392,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,586
−HK$8,081/mo
▼ 0.25% · 3.875%
HK$153,597
−HK$4,070/mo
Today · 4.125%
HK$157,667
baseline
▲ 0.50% · 4.625%
HK$165,978
+HK$8,311/mo
Deposit HK$3.28M · loan HK$29.48M · min. income ≈ HK$315,334/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$1,392,281 · Scale 2, in force from 26 Feb 2026)