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$78,880
−HK$4,947/mo
▼ 0.25% · 3.875%
HK$81,334
−HK$2,493/mo
Today · 4.125%
HK$83,827
baseline
▲ 0.50% · 4.625%
HK$88,928
+HK$5,101/mo
Deposit HK$17.30M · loan HK$17.30M · min. income ≈ HK$167,654/mo (50% DSR)
Upfront cash ≈ HK$18.77M (deposit + AVD stamp duty HK$1,470,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,754
−HK$4,741/mo
▼ 0.25% · 3.875%
HK$90,107
−HK$2,388/mo
Today · 4.125%
HK$92,495
baseline
▲ 0.50% · 4.625%
HK$97,370
+HK$4,875/mo
Deposit HK$17.30M · loan HK$17.30M · min. income ≈ HK$184,990/mo (50% DSR)
Upfront cash ≈ HK$18.77M (deposit + AVD stamp duty HK$1,470,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,656
−HK$5,936/mo
▼ 0.25% · 3.875%
HK$97,601
−HK$2,991/mo
Today · 4.125%
HK$100,592
baseline
▲ 0.50% · 4.625%
HK$106,713
+HK$6,121/mo
Deposit HK$13.84M · loan HK$20.76M · min. income ≈ HK$201,184/mo (50% DSR)
Upfront cash ≈ HK$15.31M (deposit + AVD stamp duty HK$1,470,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,304
−HK$5,690/mo
▼ 0.25% · 3.875%
HK$108,129
−HK$2,865/mo
Today · 4.125%
HK$110,994
baseline
▲ 0.50% · 4.625%
HK$116,844
+HK$5,850/mo
Deposit HK$13.84M · loan HK$20.76M · min. income ≈ HK$221,988/mo (50% DSR)
Upfront cash ≈ HK$15.31M (deposit + AVD stamp duty HK$1,470,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,433
−HK$6,925/mo
▼ 0.25% · 3.875%
HK$113,868
−HK$3,490/mo
Today · 4.125%
HK$117,358
baseline
▲ 0.50% · 4.625%
HK$124,499
+HK$7,141/mo
Deposit HK$10.38M · loan HK$24.21M · min. income ≈ HK$234,716/mo (50% DSR)
Upfront cash ≈ HK$11.85M (deposit + AVD stamp duty HK$1,470,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,855
−HK$6,638/mo
▼ 0.25% · 3.875%
HK$126,150
−HK$3,343/mo
Today · 4.125%
HK$129,493
baseline
▲ 0.50% · 4.625%
HK$136,318
+HK$6,825/mo
Deposit HK$10.38M · loan HK$24.21M · min. income ≈ HK$258,986/mo (50% DSR)
Upfront cash ≈ HK$11.85M (deposit + AVD stamp duty HK$1,470,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,985
−HK$8,903/mo
▼ 0.25% · 3.875%
HK$146,401
−HK$4,487/mo
Today · 4.125%
HK$150,888
baseline
▲ 0.50% · 4.625%
HK$160,070
+HK$9,182/mo
Deposit HK$3.46M · loan HK$31.13M · min. income ≈ HK$301,776/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$1,470,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,957
−HK$8,533/mo
▼ 0.25% · 3.875%
HK$162,193
−HK$4,297/mo
Today · 4.125%
HK$166,490
baseline
▲ 0.50% · 4.625%
HK$175,266
+HK$8,776/mo
Deposit HK$3.46M · loan HK$31.13M · min. income ≈ HK$332,980/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$1,470,194 · Scale 2, in force from 26 Feb 2026)