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$76,792
−HK$4,816/mo
▼ 0.25% · 3.875%
HK$79,181
−HK$2,427/mo
Today · 4.125%
HK$81,608
baseline
▲ 0.50% · 4.625%
HK$86,573
+HK$4,965/mo
Deposit HK$16.84M · loan HK$16.84M · min. income ≈ HK$163,216/mo (50% DSR)
Upfront cash ≈ HK$18.27M (deposit + AVD stamp duty HK$1,431,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,431
−HK$4,615/mo
▼ 0.25% · 3.875%
HK$87,722
−HK$2,324/mo
Today · 4.125%
HK$90,046
baseline
▲ 0.50% · 4.625%
HK$94,793
+HK$4,747/mo
Deposit HK$16.84M · loan HK$16.84M · min. income ≈ HK$180,092/mo (50% DSR)
Upfront cash ≈ HK$18.27M (deposit + AVD stamp duty HK$1,431,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,151
−HK$5,778/mo
▼ 0.25% · 3.875%
HK$95,017
−HK$2,912/mo
Today · 4.125%
HK$97,929
baseline
▲ 0.50% · 4.625%
HK$103,888
+HK$5,959/mo
Deposit HK$13.47M · loan HK$20.21M · min. income ≈ HK$195,858/mo (50% DSR)
Upfront cash ≈ HK$14.90M (deposit + AVD stamp duty HK$1,431,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,517
−HK$5,538/mo
▼ 0.25% · 3.875%
HK$105,266
−HK$2,789/mo
Today · 4.125%
HK$108,055
baseline
▲ 0.50% · 4.625%
HK$113,751
+HK$5,696/mo
Deposit HK$13.47M · loan HK$20.21M · min. income ≈ HK$216,110/mo (50% DSR)
Upfront cash ≈ HK$14.90M (deposit + AVD stamp duty HK$1,431,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,509
−HK$6,742/mo
▼ 0.25% · 3.875%
HK$110,853
−HK$3,398/mo
Today · 4.125%
HK$114,251
baseline
▲ 0.50% · 4.625%
HK$121,203
+HK$6,952/mo
Deposit HK$10.10M · loan HK$23.57M · min. income ≈ HK$228,502/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$1,431,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,603
−HK$6,462/mo
▼ 0.25% · 3.875%
HK$122,811
−HK$3,254/mo
Today · 4.125%
HK$126,065
baseline
▲ 0.50% · 4.625%
HK$132,710
+HK$6,645/mo
Deposit HK$10.10M · loan HK$23.57M · min. income ≈ HK$252,130/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$1,431,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,226
−HK$8,668/mo
▼ 0.25% · 3.875%
HK$142,526
−HK$4,368/mo
Today · 4.125%
HK$146,894
baseline
▲ 0.50% · 4.625%
HK$155,832
+HK$8,938/mo
Deposit HK$3.37M · loan HK$30.31M · min. income ≈ HK$293,788/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$1,431,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,775
−HK$8,308/mo
▼ 0.25% · 3.875%
HK$157,899
−HK$4,184/mo
Today · 4.125%
HK$162,083
baseline
▲ 0.50% · 4.625%
HK$170,627
+HK$8,544/mo
Deposit HK$3.37M · loan HK$30.31M · min. income ≈ HK$324,166/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$1,431,274 · Scale 2, in force from 26 Feb 2026)