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$76,190
−HK$4,777/mo
▼ 0.25% · 3.875%
HK$78,560
−HK$2,407/mo
Today · 4.125%
HK$80,967
baseline
▲ 0.50% · 4.625%
HK$85,894
+HK$4,927/mo
Deposit HK$16.71M · loan HK$16.71M · min. income ≈ HK$161,934/mo (50% DSR)
Upfront cash ≈ HK$18.13M (deposit + AVD stamp duty HK$1,420,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,760
−HK$4,580/mo
▼ 0.25% · 3.875%
HK$87,033
−HK$2,307/mo
Today · 4.125%
HK$89,340
baseline
▲ 0.50% · 4.625%
HK$94,049
+HK$4,709/mo
Deposit HK$16.71M · loan HK$16.71M · min. income ≈ HK$178,680/mo (50% DSR)
Upfront cash ≈ HK$18.13M (deposit + AVD stamp duty HK$1,420,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,428
−HK$5,733/mo
▼ 0.25% · 3.875%
HK$94,271
−HK$2,890/mo
Today · 4.125%
HK$97,161
baseline
▲ 0.50% · 4.625%
HK$103,073
+HK$5,912/mo
Deposit HK$13.37M · loan HK$20.05M · min. income ≈ HK$194,322/mo (50% DSR)
Upfront cash ≈ HK$14.79M (deposit + AVD stamp duty HK$1,420,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,712
−HK$5,495/mo
▼ 0.25% · 3.875%
HK$104,440
−HK$2,767/mo
Today · 4.125%
HK$107,207
baseline
▲ 0.50% · 4.625%
HK$112,858
+HK$5,651/mo
Deposit HK$13.37M · loan HK$20.05M · min. income ≈ HK$214,414/mo (50% DSR)
Upfront cash ≈ HK$14.79M (deposit + AVD stamp duty HK$1,420,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,665
−HK$6,689/mo
▼ 0.25% · 3.875%
HK$109,983
−HK$3,371/mo
Today · 4.125%
HK$113,354
baseline
▲ 0.50% · 4.625%
HK$120,252
+HK$6,898/mo
Deposit HK$10.02M · loan HK$23.39M · min. income ≈ HK$226,708/mo (50% DSR)
Upfront cash ≈ HK$11.44M (deposit + AVD stamp duty HK$1,420,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,664
−HK$6,411/mo
▼ 0.25% · 3.875%
HK$121,847
−HK$3,228/mo
Today · 4.125%
HK$125,075
baseline
▲ 0.50% · 4.625%
HK$131,668
+HK$6,593/mo
Deposit HK$10.02M · loan HK$23.39M · min. income ≈ HK$250,150/mo (50% DSR)
Upfront cash ≈ HK$11.44M (deposit + AVD stamp duty HK$1,420,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,141
−HK$8,600/mo
▼ 0.25% · 3.875%
HK$141,407
−HK$4,334/mo
Today · 4.125%
HK$145,741
baseline
▲ 0.50% · 4.625%
HK$154,609
+HK$8,868/mo
Deposit HK$3.34M · loan HK$30.07M · min. income ≈ HK$291,482/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$1,420,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,568
−HK$8,243/mo
▼ 0.25% · 3.875%
HK$156,660
−HK$4,151/mo
Today · 4.125%
HK$160,811
baseline
▲ 0.50% · 4.625%
HK$169,288
+HK$8,477/mo
Deposit HK$3.34M · loan HK$30.07M · min. income ≈ HK$321,622/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$1,420,042 · Scale 2, in force from 26 Feb 2026)