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$81,852
−HK$5,133/mo
▼ 0.25% · 3.875%
HK$84,398
−HK$2,587/mo
Today · 4.125%
HK$86,985
baseline
▲ 0.50% · 4.625%
HK$92,278
+HK$5,293/mo
Deposit HK$17.95M · loan HK$17.95M · min. income ≈ HK$173,970/mo (50% DSR)
Upfront cash ≈ HK$19.47M (deposit + AVD stamp duty HK$1,525,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,060
−HK$4,919/mo
▼ 0.25% · 3.875%
HK$93,502
−HK$2,477/mo
Today · 4.125%
HK$95,979
baseline
▲ 0.50% · 4.625%
HK$101,039
+HK$5,060/mo
Deposit HK$17.95M · loan HK$17.95M · min. income ≈ HK$191,958/mo (50% DSR)
Upfront cash ≈ HK$19.47M (deposit + AVD stamp duty HK$1,525,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,223
−HK$6,159/mo
▼ 0.25% · 3.875%
HK$101,278
−HK$3,104/mo
Today · 4.125%
HK$104,382
baseline
▲ 0.50% · 4.625%
HK$110,733
+HK$6,351/mo
Deposit HK$14.36M · loan HK$21.54M · min. income ≈ HK$208,764/mo (50% DSR)
Upfront cash ≈ HK$15.88M (deposit + AVD stamp duty HK$1,525,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,272
−HK$5,903/mo
▼ 0.25% · 3.875%
HK$112,202
−HK$2,973/mo
Today · 4.125%
HK$115,175
baseline
▲ 0.50% · 4.625%
HK$121,246
+HK$6,071/mo
Deposit HK$14.36M · loan HK$21.54M · min. income ≈ HK$230,350/mo (50% DSR)
Upfront cash ≈ HK$15.88M (deposit + AVD stamp duty HK$1,525,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,593
−HK$7,186/mo
▼ 0.25% · 3.875%
HK$118,158
−HK$3,621/mo
Today · 4.125%
HK$121,779
baseline
▲ 0.50% · 4.625%
HK$129,189
+HK$7,410/mo
Deposit HK$10.77M · loan HK$25.13M · min. income ≈ HK$243,558/mo (50% DSR)
Upfront cash ≈ HK$12.29M (deposit + AVD stamp duty HK$1,525,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,484
−HK$6,887/mo
▼ 0.25% · 3.875%
HK$130,903
−HK$3,468/mo
Today · 4.125%
HK$134,371
baseline
▲ 0.50% · 4.625%
HK$141,454
+HK$7,083/mo
Deposit HK$10.77M · loan HK$25.13M · min. income ≈ HK$268,742/mo (50% DSR)
Upfront cash ≈ HK$12.29M (deposit + AVD stamp duty HK$1,525,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,334
−HK$9,239/mo
▼ 0.25% · 3.875%
HK$151,917
−HK$4,656/mo
Today · 4.125%
HK$156,573
baseline
▲ 0.50% · 4.625%
HK$166,100
+HK$9,527/mo
Deposit HK$3.59M · loan HK$32.31M · min. income ≈ HK$313,146/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$1,525,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,908
−HK$8,855/mo
▼ 0.25% · 3.875%
HK$168,303
−HK$4,460/mo
Today · 4.125%
HK$172,763
baseline
▲ 0.50% · 4.625%
HK$181,870
+HK$9,107/mo
Deposit HK$3.59M · loan HK$32.31M · min. income ≈ HK$345,526/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$1,525,583 · Scale 2, in force from 26 Feb 2026)