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$77,457
−HK$4,857/mo
▼ 0.25% · 3.875%
HK$79,866
−HK$2,448/mo
Today · 4.125%
HK$82,314
baseline
▲ 0.50% · 4.625%
HK$87,322
+HK$5,008/mo
Deposit HK$16.98M · loan HK$16.98M · min. income ≈ HK$164,628/mo (50% DSR)
Upfront cash ≈ HK$18.43M (deposit + AVD stamp duty HK$1,443,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,170
−HK$4,655/mo
▼ 0.25% · 3.875%
HK$88,481
−HK$2,344/mo
Today · 4.125%
HK$90,825
baseline
▲ 0.50% · 4.625%
HK$95,613
+HK$4,788/mo
Deposit HK$16.98M · loan HK$16.98M · min. income ≈ HK$181,650/mo (50% DSR)
Upfront cash ≈ HK$18.43M (deposit + AVD stamp duty HK$1,443,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,948
−HK$5,829/mo
▼ 0.25% · 3.875%
HK$95,839
−HK$2,938/mo
Today · 4.125%
HK$98,777
baseline
▲ 0.50% · 4.625%
HK$104,787
+HK$6,010/mo
Deposit HK$13.59M · loan HK$20.38M · min. income ≈ HK$197,554/mo (50% DSR)
Upfront cash ≈ HK$15.03M (deposit + AVD stamp duty HK$1,443,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,404
−HK$5,586/mo
▼ 0.25% · 3.875%
HK$106,177
−HK$2,813/mo
Today · 4.125%
HK$108,990
baseline
▲ 0.50% · 4.625%
HK$114,735
+HK$5,745/mo
Deposit HK$13.59M · loan HK$20.38M · min. income ≈ HK$217,980/mo (50% DSR)
Upfront cash ≈ HK$15.03M (deposit + AVD stamp duty HK$1,443,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,439
−HK$6,800/mo
▼ 0.25% · 3.875%
HK$111,812
−HK$3,427/mo
Today · 4.125%
HK$115,239
baseline
▲ 0.50% · 4.625%
HK$122,251
+HK$7,012/mo
Deposit HK$10.19M · loan HK$23.78M · min. income ≈ HK$230,478/mo (50% DSR)
Upfront cash ≈ HK$11.63M (deposit + AVD stamp duty HK$1,443,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,638
−HK$6,517/mo
▼ 0.25% · 3.875%
HK$123,873
−HK$3,282/mo
Today · 4.125%
HK$127,155
baseline
▲ 0.50% · 4.625%
HK$133,858
+HK$6,703/mo
Deposit HK$10.19M · loan HK$23.78M · min. income ≈ HK$254,310/mo (50% DSR)
Upfront cash ≈ HK$11.63M (deposit + AVD stamp duty HK$1,443,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,422
−HK$8,743/mo
▼ 0.25% · 3.875%
HK$143,759
−HK$4,406/mo
Today · 4.125%
HK$148,165
baseline
▲ 0.50% · 4.625%
HK$157,180
+HK$9,015/mo
Deposit HK$3.40M · loan HK$30.57M · min. income ≈ HK$296,330/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$1,443,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,106
−HK$8,379/mo
▼ 0.25% · 3.875%
HK$159,265
−HK$4,220/mo
Today · 4.125%
HK$163,485
baseline
▲ 0.50% · 4.625%
HK$172,103
+HK$8,618/mo
Deposit HK$3.40M · loan HK$30.57M · min. income ≈ HK$326,970/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$1,443,657 · Scale 2, in force from 26 Feb 2026)