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$79,658
−HK$4,996/mo
▼ 0.25% · 3.875%
HK$82,136
−HK$2,518/mo
Today · 4.125%
HK$84,654
baseline
▲ 0.50% · 4.625%
HK$89,805
+HK$5,151/mo
Deposit HK$17.47M · loan HK$17.47M · min. income ≈ HK$169,308/mo (50% DSR)
Upfront cash ≈ HK$18.95M (deposit + AVD stamp duty HK$1,484,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,619
−HK$4,788/mo
▼ 0.25% · 3.875%
HK$90,996
−HK$2,411/mo
Today · 4.125%
HK$93,407
baseline
▲ 0.50% · 4.625%
HK$98,331
+HK$4,924/mo
Deposit HK$17.47M · loan HK$17.47M · min. income ≈ HK$186,814/mo (50% DSR)
Upfront cash ≈ HK$18.95M (deposit + AVD stamp duty HK$1,484,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,590
−HK$5,994/mo
▼ 0.25% · 3.875%
HK$98,563
−HK$3,021/mo
Today · 4.125%
HK$101,584
baseline
▲ 0.50% · 4.625%
HK$107,766
+HK$6,182/mo
Deposit HK$13.97M · loan HK$20.96M · min. income ≈ HK$203,168/mo (50% DSR)
Upfront cash ≈ HK$15.46M (deposit + AVD stamp duty HK$1,484,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,343
−HK$5,745/mo
▼ 0.25% · 3.875%
HK$109,195
−HK$2,893/mo
Today · 4.125%
HK$112,088
baseline
▲ 0.50% · 4.625%
HK$117,997
+HK$5,909/mo
Deposit HK$13.97M · loan HK$20.96M · min. income ≈ HK$224,176/mo (50% DSR)
Upfront cash ≈ HK$15.46M (deposit + AVD stamp duty HK$1,484,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,522
−HK$6,993/mo
▼ 0.25% · 3.875%
HK$114,991
−HK$3,524/mo
Today · 4.125%
HK$118,515
baseline
▲ 0.50% · 4.625%
HK$125,726
+HK$7,211/mo
Deposit HK$10.48M · loan HK$24.45M · min. income ≈ HK$237,030/mo (50% DSR)
Upfront cash ≈ HK$11.96M (deposit + AVD stamp duty HK$1,484,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,067
−HK$6,703/mo
▼ 0.25% · 3.875%
HK$127,394
−HK$3,376/mo
Today · 4.125%
HK$130,770
baseline
▲ 0.50% · 4.625%
HK$137,663
+HK$6,893/mo
Deposit HK$10.48M · loan HK$24.45M · min. income ≈ HK$261,540/mo (50% DSR)
Upfront cash ≈ HK$11.96M (deposit + AVD stamp duty HK$1,484,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,385
−HK$8,992/mo
▼ 0.25% · 3.875%
HK$147,845
−HK$4,532/mo
Today · 4.125%
HK$152,377
baseline
▲ 0.50% · 4.625%
HK$161,648
+HK$9,271/mo
Deposit HK$3.49M · loan HK$31.44M · min. income ≈ HK$304,754/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$1,484,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,514
−HK$8,618/mo
▼ 0.25% · 3.875%
HK$163,793
−HK$4,339/mo
Today · 4.125%
HK$168,132
baseline
▲ 0.50% · 4.625%
HK$176,995
+HK$8,863/mo
Deposit HK$3.49M · loan HK$31.44M · min. income ≈ HK$336,264/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$1,484,693 · Scale 2, in force from 26 Feb 2026)