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$77,159
−HK$4,839/mo
▼ 0.25% · 3.875%
HK$79,559
−HK$2,439/mo
Today · 4.125%
HK$81,998
baseline
▲ 0.50% · 4.625%
HK$86,987
+HK$4,989/mo
Deposit HK$16.92M · loan HK$16.92M · min. income ≈ HK$163,996/mo (50% DSR)
Upfront cash ≈ HK$18.36M (deposit + AVD stamp duty HK$1,438,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,839
−HK$4,638/mo
▼ 0.25% · 3.875%
HK$88,141
−HK$2,336/mo
Today · 4.125%
HK$90,477
baseline
▲ 0.50% · 4.625%
HK$95,246
+HK$4,769/mo
Deposit HK$16.92M · loan HK$16.92M · min. income ≈ HK$180,954/mo (50% DSR)
Upfront cash ≈ HK$18.36M (deposit + AVD stamp duty HK$1,438,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,591
−HK$5,807/mo
▼ 0.25% · 3.875%
HK$95,471
−HK$2,927/mo
Today · 4.125%
HK$98,398
baseline
▲ 0.50% · 4.625%
HK$104,385
+HK$5,987/mo
Deposit HK$13.54M · loan HK$20.30M · min. income ≈ HK$196,796/mo (50% DSR)
Upfront cash ≈ HK$14.97M (deposit + AVD stamp duty HK$1,438,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,007
−HK$5,565/mo
▼ 0.25% · 3.875%
HK$105,769
−HK$2,803/mo
Today · 4.125%
HK$108,572
baseline
▲ 0.50% · 4.625%
HK$114,295
+HK$5,723/mo
Deposit HK$13.54M · loan HK$20.30M · min. income ≈ HK$217,144/mo (50% DSR)
Upfront cash ≈ HK$14.97M (deposit + AVD stamp duty HK$1,438,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,023
−HK$6,774/mo
▼ 0.25% · 3.875%
HK$111,383
−HK$3,414/mo
Today · 4.125%
HK$114,797
baseline
▲ 0.50% · 4.625%
HK$121,782
+HK$6,985/mo
Deposit HK$10.15M · loan HK$23.69M · min. income ≈ HK$229,594/mo (50% DSR)
Upfront cash ≈ HK$11.59M (deposit + AVD stamp duty HK$1,438,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,175
−HK$6,492/mo
▼ 0.25% · 3.875%
HK$123,398
−HK$3,269/mo
Today · 4.125%
HK$126,667
baseline
▲ 0.50% · 4.625%
HK$133,344
+HK$6,677/mo
Deposit HK$10.15M · loan HK$23.69M · min. income ≈ HK$253,334/mo (50% DSR)
Upfront cash ≈ HK$11.59M (deposit + AVD stamp duty HK$1,438,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,887
−HK$8,709/mo
▼ 0.25% · 3.875%
HK$143,207
−HK$4,389/mo
Today · 4.125%
HK$147,596
baseline
▲ 0.50% · 4.625%
HK$156,577
+HK$8,981/mo
Deposit HK$3.38M · loan HK$30.45M · min. income ≈ HK$295,192/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$1,438,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,510
−HK$8,348/mo
▼ 0.25% · 3.875%
HK$158,654
−HK$4,204/mo
Today · 4.125%
HK$162,858
baseline
▲ 0.50% · 4.625%
HK$171,442
+HK$8,584/mo
Deposit HK$3.38M · loan HK$30.45M · min. income ≈ HK$325,716/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$1,438,117 · Scale 2, in force from 26 Feb 2026)