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$79,102
−HK$4,960/mo
▼ 0.25% · 3.875%
HK$81,562
−HK$2,500/mo
Today · 4.125%
HK$84,062
baseline
▲ 0.50% · 4.625%
HK$89,177
+HK$5,115/mo
Deposit HK$17.34M · loan HK$17.34M · min. income ≈ HK$168,124/mo (50% DSR)
Upfront cash ≈ HK$18.82M (deposit + AVD stamp duty HK$1,474,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,000
−HK$4,754/mo
▼ 0.25% · 3.875%
HK$90,360
−HK$2,394/mo
Today · 4.125%
HK$92,754
baseline
▲ 0.50% · 4.625%
HK$97,644
+HK$4,890/mo
Deposit HK$17.34M · loan HK$17.34M · min. income ≈ HK$185,508/mo (50% DSR)
Upfront cash ≈ HK$18.82M (deposit + AVD stamp duty HK$1,474,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,922
−HK$5,953/mo
▼ 0.25% · 3.875%
HK$97,875
−HK$3,000/mo
Today · 4.125%
HK$100,875
baseline
▲ 0.50% · 4.625%
HK$107,013
+HK$6,138/mo
Deposit HK$13.88M · loan HK$20.81M · min. income ≈ HK$201,750/mo (50% DSR)
Upfront cash ≈ HK$15.35M (deposit + AVD stamp duty HK$1,474,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,600
−HK$5,705/mo
▼ 0.25% · 3.875%
HK$108,432
−HK$2,873/mo
Today · 4.125%
HK$111,305
baseline
▲ 0.50% · 4.625%
HK$117,172
+HK$5,867/mo
Deposit HK$13.88M · loan HK$20.81M · min. income ≈ HK$222,610/mo (50% DSR)
Upfront cash ≈ HK$15.35M (deposit + AVD stamp duty HK$1,474,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,743
−HK$6,944/mo
▼ 0.25% · 3.875%
HK$114,187
−HK$3,500/mo
Today · 4.125%
HK$117,687
baseline
▲ 0.50% · 4.625%
HK$124,848
+HK$7,161/mo
Deposit HK$10.41M · loan HK$24.28M · min. income ≈ HK$235,374/mo (50% DSR)
Upfront cash ≈ HK$11.88M (deposit + AVD stamp duty HK$1,474,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,200
−HK$6,656/mo
▼ 0.25% · 3.875%
HK$126,504
−HK$3,352/mo
Today · 4.125%
HK$129,856
baseline
▲ 0.50% · 4.625%
HK$136,701
+HK$6,845/mo
Deposit HK$10.41M · loan HK$24.28M · min. income ≈ HK$259,712/mo (50% DSR)
Upfront cash ≈ HK$11.88M (deposit + AVD stamp duty HK$1,474,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,383
−HK$8,929/mo
▼ 0.25% · 3.875%
HK$146,812
−HK$4,500/mo
Today · 4.125%
HK$151,312
baseline
▲ 0.50% · 4.625%
HK$160,519
+HK$9,207/mo
Deposit HK$3.47M · loan HK$31.22M · min. income ≈ HK$302,624/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$1,474,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,400
−HK$8,558/mo
▼ 0.25% · 3.875%
HK$162,648
−HK$4,310/mo
Today · 4.125%
HK$166,958
baseline
▲ 0.50% · 4.625%
HK$175,758
+HK$8,800/mo
Deposit HK$3.47M · loan HK$31.22M · min. income ≈ HK$333,916/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$1,474,320 · Scale 2, in force from 26 Feb 2026)