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$79,258
−HK$4,970/mo
▼ 0.25% · 3.875%
HK$81,723
−HK$2,505/mo
Today · 4.125%
HK$84,228
baseline
▲ 0.50% · 4.625%
HK$89,353
+HK$5,125/mo
Deposit HK$17.38M · loan HK$17.38M · min. income ≈ HK$168,456/mo (50% DSR)
Upfront cash ≈ HK$18.86M (deposit + AVD stamp duty HK$1,477,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,173
−HK$4,764/mo
▼ 0.25% · 3.875%
HK$90,538
−HK$2,399/mo
Today · 4.125%
HK$92,937
baseline
▲ 0.50% · 4.625%
HK$97,836
+HK$4,899/mo
Deposit HK$17.38M · loan HK$17.38M · min. income ≈ HK$185,874/mo (50% DSR)
Upfront cash ≈ HK$18.86M (deposit + AVD stamp duty HK$1,477,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,109
−HK$5,964/mo
▼ 0.25% · 3.875%
HK$98,068
−HK$3,005/mo
Today · 4.125%
HK$101,073
baseline
▲ 0.50% · 4.625%
HK$107,223
+HK$6,150/mo
Deposit HK$13.90M · loan HK$20.85M · min. income ≈ HK$202,146/mo (50% DSR)
Upfront cash ≈ HK$15.38M (deposit + AVD stamp duty HK$1,477,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,808
−HK$5,717/mo
▼ 0.25% · 3.875%
HK$108,646
−HK$2,879/mo
Today · 4.125%
HK$111,525
baseline
▲ 0.50% · 4.625%
HK$117,403
+HK$5,878/mo
Deposit HK$13.90M · loan HK$20.85M · min. income ≈ HK$223,050/mo (50% DSR)
Upfront cash ≈ HK$15.38M (deposit + AVD stamp duty HK$1,477,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,961
−HK$6,958/mo
▼ 0.25% · 3.875%
HK$114,412
−HK$3,507/mo
Today · 4.125%
HK$117,919
baseline
▲ 0.50% · 4.625%
HK$125,094
+HK$7,175/mo
Deposit HK$10.43M · loan HK$24.33M · min. income ≈ HK$235,838/mo (50% DSR)
Upfront cash ≈ HK$11.90M (deposit + AVD stamp duty HK$1,477,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,443
−HK$6,669/mo
▼ 0.25% · 3.875%
HK$126,753
−HK$3,359/mo
Today · 4.125%
HK$130,112
baseline
▲ 0.50% · 4.625%
HK$136,970
+HK$6,858/mo
Deposit HK$10.43M · loan HK$24.33M · min. income ≈ HK$260,224/mo (50% DSR)
Upfront cash ≈ HK$11.90M (deposit + AVD stamp duty HK$1,477,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,664
−HK$8,946/mo
▼ 0.25% · 3.875%
HK$147,101
−HK$4,509/mo
Today · 4.125%
HK$151,610
baseline
▲ 0.50% · 4.625%
HK$160,835
+HK$9,225/mo
Deposit HK$3.48M · loan HK$31.28M · min. income ≈ HK$303,220/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$1,477,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,712
−HK$8,575/mo
▼ 0.25% · 3.875%
HK$162,969
−HK$4,318/mo
Today · 4.125%
HK$167,287
baseline
▲ 0.50% · 4.625%
HK$176,105
+HK$8,818/mo
Deposit HK$3.48M · loan HK$31.28M · min. income ≈ HK$334,574/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$1,477,225 · Scale 2, in force from 26 Feb 2026)