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$76,630
−HK$4,805/mo
▼ 0.25% · 3.875%
HK$79,013
−HK$2,422/mo
Today · 4.125%
HK$81,435
baseline
▲ 0.50% · 4.625%
HK$86,390
+HK$4,955/mo
Deposit HK$16.80M · loan HK$16.80M · min. income ≈ HK$162,870/mo (50% DSR)
Upfront cash ≈ HK$18.23M (deposit + AVD stamp duty HK$1,428,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,250
−HK$4,606/mo
▼ 0.25% · 3.875%
HK$87,536
−HK$2,320/mo
Today · 4.125%
HK$89,856
baseline
▲ 0.50% · 4.625%
HK$94,592
+HK$4,736/mo
Deposit HK$16.80M · loan HK$16.80M · min. income ≈ HK$179,712/mo (50% DSR)
Upfront cash ≈ HK$18.23M (deposit + AVD stamp duty HK$1,428,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,956
−HK$5,766/mo
▼ 0.25% · 3.875%
HK$94,816
−HK$2,906/mo
Today · 4.125%
HK$97,722
baseline
▲ 0.50% · 4.625%
HK$103,668
+HK$5,946/mo
Deposit HK$13.44M · loan HK$20.16M · min. income ≈ HK$195,444/mo (50% DSR)
Upfront cash ≈ HK$14.87M (deposit + AVD stamp duty HK$1,428,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,300
−HK$5,527/mo
▼ 0.25% · 3.875%
HK$105,043
−HK$2,784/mo
Today · 4.125%
HK$107,827
baseline
▲ 0.50% · 4.625%
HK$113,510
+HK$5,683/mo
Deposit HK$13.44M · loan HK$20.16M · min. income ≈ HK$215,654/mo (50% DSR)
Upfront cash ≈ HK$14.87M (deposit + AVD stamp duty HK$1,428,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,282
−HK$6,727/mo
▼ 0.25% · 3.875%
HK$110,619
−HK$3,390/mo
Today · 4.125%
HK$114,009
baseline
▲ 0.50% · 4.625%
HK$120,946
+HK$6,937/mo
Deposit HK$10.08M · loan HK$23.52M · min. income ≈ HK$228,018/mo (50% DSR)
Upfront cash ≈ HK$11.51M (deposit + AVD stamp duty HK$1,428,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,350
−HK$6,448/mo
▼ 0.25% · 3.875%
HK$122,551
−HK$3,247/mo
Today · 4.125%
HK$125,798
baseline
▲ 0.50% · 4.625%
HK$132,429
+HK$6,631/mo
Deposit HK$10.08M · loan HK$23.52M · min. income ≈ HK$251,596/mo (50% DSR)
Upfront cash ≈ HK$11.51M (deposit + AVD stamp duty HK$1,428,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,934
−HK$8,649/mo
▼ 0.25% · 3.875%
HK$142,224
−HK$4,359/mo
Today · 4.125%
HK$146,583
baseline
▲ 0.50% · 4.625%
HK$155,502
+HK$8,919/mo
Deposit HK$3.36M · loan HK$30.25M · min. income ≈ HK$293,166/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$1,428,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,450
−HK$8,290/mo
▼ 0.25% · 3.875%
HK$157,565
−HK$4,175/mo
Today · 4.125%
HK$161,740
baseline
▲ 0.50% · 4.625%
HK$170,266
+HK$8,526/mo
Deposit HK$3.36M · loan HK$30.25M · min. income ≈ HK$323,480/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$1,428,245 · Scale 2, in force from 26 Feb 2026)