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$77,294
−HK$4,847/mo
▼ 0.25% · 3.875%
HK$79,698
−HK$2,443/mo
Today · 4.125%
HK$82,141
baseline
▲ 0.50% · 4.625%
HK$87,139
+HK$4,998/mo
Deposit HK$16.95M · loan HK$16.95M · min. income ≈ HK$164,282/mo (50% DSR)
Upfront cash ≈ HK$18.39M (deposit + AVD stamp duty HK$1,440,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,989
−HK$4,645/mo
▼ 0.25% · 3.875%
HK$88,295
−HK$2,339/mo
Today · 4.125%
HK$90,634
baseline
▲ 0.50% · 4.625%
HK$95,412
+HK$4,778/mo
Deposit HK$16.95M · loan HK$16.95M · min. income ≈ HK$181,268/mo (50% DSR)
Upfront cash ≈ HK$18.39M (deposit + AVD stamp duty HK$1,440,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,752
−HK$5,817/mo
▼ 0.25% · 3.875%
HK$95,638
−HK$2,931/mo
Today · 4.125%
HK$98,569
baseline
▲ 0.50% · 4.625%
HK$104,567
+HK$5,998/mo
Deposit HK$13.56M · loan HK$20.34M · min. income ≈ HK$197,138/mo (50% DSR)
Upfront cash ≈ HK$15.00M (deposit + AVD stamp duty HK$1,440,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,186
−HK$5,575/mo
▼ 0.25% · 3.875%
HK$105,954
−HK$2,807/mo
Today · 4.125%
HK$108,761
baseline
▲ 0.50% · 4.625%
HK$114,494
+HK$5,733/mo
Deposit HK$13.56M · loan HK$20.34M · min. income ≈ HK$217,522/mo (50% DSR)
Upfront cash ≈ HK$15.00M (deposit + AVD stamp duty HK$1,440,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,211
−HK$6,786/mo
▼ 0.25% · 3.875%
HK$111,577
−HK$3,420/mo
Today · 4.125%
HK$114,997
baseline
▲ 0.50% · 4.625%
HK$121,994
+HK$6,997/mo
Deposit HK$10.17M · loan HK$23.73M · min. income ≈ HK$229,994/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$1,440,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,384
−HK$6,504/mo
▼ 0.25% · 3.875%
HK$123,613
−HK$3,275/mo
Today · 4.125%
HK$126,888
baseline
▲ 0.50% · 4.625%
HK$133,576
+HK$6,688/mo
Deposit HK$10.17M · loan HK$23.73M · min. income ≈ HK$253,776/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$1,440,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,129
−HK$8,724/mo
▼ 0.25% · 3.875%
HK$143,456
−HK$4,397/mo
Today · 4.125%
HK$147,853
baseline
▲ 0.50% · 4.625%
HK$156,850
+HK$8,997/mo
Deposit HK$3.39M · loan HK$30.51M · min. income ≈ HK$295,706/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$1,440,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,779
−HK$8,363/mo
▼ 0.25% · 3.875%
HK$158,930
−HK$4,212/mo
Today · 4.125%
HK$163,142
baseline
▲ 0.50% · 4.625%
HK$171,741
+HK$8,599/mo
Deposit HK$3.39M · loan HK$30.51M · min. income ≈ HK$326,284/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$1,440,621 · Scale 2, in force from 26 Feb 2026)