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$75,970
−HK$4,764/mo
▼ 0.25% · 3.875%
HK$78,333
−HK$2,401/mo
Today · 4.125%
HK$80,734
baseline
▲ 0.50% · 4.625%
HK$85,647
+HK$4,913/mo
Deposit HK$16.66M · loan HK$16.66M · min. income ≈ HK$161,468/mo (50% DSR)
Upfront cash ≈ HK$18.07M (deposit + AVD stamp duty HK$1,415,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,516
−HK$4,566/mo
▼ 0.25% · 3.875%
HK$86,783
−HK$2,299/mo
Today · 4.125%
HK$89,082
baseline
▲ 0.50% · 4.625%
HK$93,778
+HK$4,696/mo
Deposit HK$16.66M · loan HK$16.66M · min. income ≈ HK$178,164/mo (50% DSR)
Upfront cash ≈ HK$18.07M (deposit + AVD stamp duty HK$1,415,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,164
−HK$5,717/mo
▼ 0.25% · 3.875%
HK$94,000
−HK$2,881/mo
Today · 4.125%
HK$96,881
baseline
▲ 0.50% · 4.625%
HK$102,776
+HK$5,895/mo
Deposit HK$13.33M · loan HK$19.99M · min. income ≈ HK$193,762/mo (50% DSR)
Upfront cash ≈ HK$14.74M (deposit + AVD stamp duty HK$1,415,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,419
−HK$5,480/mo
▼ 0.25% · 3.875%
HK$104,139
−HK$2,760/mo
Today · 4.125%
HK$106,899
baseline
▲ 0.50% · 4.625%
HK$112,533
+HK$5,634/mo
Deposit HK$13.33M · loan HK$19.99M · min. income ≈ HK$213,798/mo (50% DSR)
Upfront cash ≈ HK$14.74M (deposit + AVD stamp duty HK$1,415,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,358
−HK$6,670/mo
▼ 0.25% · 3.875%
HK$109,667
−HK$3,361/mo
Today · 4.125%
HK$113,028
baseline
▲ 0.50% · 4.625%
HK$119,905
+HK$6,877/mo
Deposit HK$9.99M · loan HK$23.32M · min. income ≈ HK$226,056/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$1,415,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,323
−HK$6,392/mo
▼ 0.25% · 3.875%
HK$121,496
−HK$3,219/mo
Today · 4.125%
HK$124,715
baseline
▲ 0.50% · 4.625%
HK$131,289
+HK$6,574/mo
Deposit HK$9.99M · loan HK$23.32M · min. income ≈ HK$249,430/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$1,415,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,746
−HK$8,576/mo
▼ 0.25% · 3.875%
HK$141,000
−HK$4,322/mo
Today · 4.125%
HK$145,322
baseline
▲ 0.50% · 4.625%
HK$154,164
+HK$8,842/mo
Deposit HK$3.33M · loan HK$29.98M · min. income ≈ HK$290,644/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$1,415,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,129
−HK$8,219/mo
▼ 0.25% · 3.875%
HK$156,209
−HK$4,139/mo
Today · 4.125%
HK$160,348
baseline
▲ 0.50% · 4.625%
HK$168,800
+HK$8,452/mo
Deposit HK$3.33M · loan HK$29.98M · min. income ≈ HK$320,696/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$1,415,952 · Scale 2, in force from 26 Feb 2026)