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$77,157
−HK$4,838/mo
▼ 0.25% · 3.875%
HK$79,557
−HK$2,438/mo
Today · 4.125%
HK$81,995
baseline
▲ 0.50% · 4.625%
HK$86,984
+HK$4,989/mo
Deposit HK$16.92M · loan HK$16.92M · min. income ≈ HK$163,990/mo (50% DSR)
Upfront cash ≈ HK$18.36M (deposit + AVD stamp duty HK$1,438,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,836
−HK$4,637/mo
▼ 0.25% · 3.875%
HK$88,138
−HK$2,335/mo
Today · 4.125%
HK$90,473
baseline
▲ 0.50% · 4.625%
HK$95,242
+HK$4,769/mo
Deposit HK$16.92M · loan HK$16.92M · min. income ≈ HK$180,946/mo (50% DSR)
Upfront cash ≈ HK$18.36M (deposit + AVD stamp duty HK$1,438,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,588
−HK$5,806/mo
▼ 0.25% · 3.875%
HK$95,468
−HK$2,926/mo
Today · 4.125%
HK$98,394
baseline
▲ 0.50% · 4.625%
HK$104,381
+HK$5,987/mo
Deposit HK$13.53M · loan HK$20.30M · min. income ≈ HK$196,788/mo (50% DSR)
Upfront cash ≈ HK$14.97M (deposit + AVD stamp duty HK$1,438,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,003
−HK$5,565/mo
▼ 0.25% · 3.875%
HK$105,765
−HK$2,803/mo
Today · 4.125%
HK$108,568
baseline
▲ 0.50% · 4.625%
HK$114,291
+HK$5,723/mo
Deposit HK$13.53M · loan HK$20.30M · min. income ≈ HK$217,136/mo (50% DSR)
Upfront cash ≈ HK$14.97M (deposit + AVD stamp duty HK$1,438,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,019
−HK$6,774/mo
▼ 0.25% · 3.875%
HK$111,379
−HK$3,414/mo
Today · 4.125%
HK$114,793
baseline
▲ 0.50% · 4.625%
HK$121,778
+HK$6,985/mo
Deposit HK$10.15M · loan HK$23.69M · min. income ≈ HK$229,586/mo (50% DSR)
Upfront cash ≈ HK$11.59M (deposit + AVD stamp duty HK$1,438,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,170
−HK$6,493/mo
▼ 0.25% · 3.875%
HK$123,393
−HK$3,270/mo
Today · 4.125%
HK$126,663
baseline
▲ 0.50% · 4.625%
HK$133,339
+HK$6,676/mo
Deposit HK$10.15M · loan HK$23.69M · min. income ≈ HK$253,326/mo (50% DSR)
Upfront cash ≈ HK$11.59M (deposit + AVD stamp duty HK$1,438,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,882
−HK$8,709/mo
▼ 0.25% · 3.875%
HK$143,202
−HK$4,389/mo
Today · 4.125%
HK$147,591
baseline
▲ 0.50% · 4.625%
HK$156,571
+HK$8,980/mo
Deposit HK$3.38M · loan HK$30.45M · min. income ≈ HK$295,182/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$1,438,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,504
−HK$8,348/mo
▼ 0.25% · 3.875%
HK$158,648
−HK$4,204/mo
Today · 4.125%
HK$162,852
baseline
▲ 0.50% · 4.625%
HK$171,436
+HK$8,584/mo
Deposit HK$3.38M · loan HK$30.45M · min. income ≈ HK$325,704/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$1,438,063 · Scale 2, in force from 26 Feb 2026)