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$75,845
−HK$4,757/mo
▼ 0.25% · 3.875%
HK$78,205
−HK$2,397/mo
Today · 4.125%
HK$80,602
baseline
▲ 0.50% · 4.625%
HK$85,506
+HK$4,904/mo
Deposit HK$16.63M · loan HK$16.63M · min. income ≈ HK$161,204/mo (50% DSR)
Upfront cash ≈ HK$18.04M (deposit + AVD stamp duty HK$1,413,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,377
−HK$4,559/mo
▼ 0.25% · 3.875%
HK$86,640
−HK$2,296/mo
Today · 4.125%
HK$88,936
baseline
▲ 0.50% · 4.625%
HK$93,624
+HK$4,688/mo
Deposit HK$16.63M · loan HK$16.63M · min. income ≈ HK$177,872/mo (50% DSR)
Upfront cash ≈ HK$18.04M (deposit + AVD stamp duty HK$1,413,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,014
−HK$5,708/mo
▼ 0.25% · 3.875%
HK$93,846
−HK$2,876/mo
Today · 4.125%
HK$96,722
baseline
▲ 0.50% · 4.625%
HK$102,607
+HK$5,885/mo
Deposit HK$13.30M · loan HK$19.96M · min. income ≈ HK$193,444/mo (50% DSR)
Upfront cash ≈ HK$14.72M (deposit + AVD stamp duty HK$1,413,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,253
−HK$5,470/mo
▼ 0.25% · 3.875%
HK$103,968
−HK$2,755/mo
Today · 4.125%
HK$106,723
baseline
▲ 0.50% · 4.625%
HK$112,349
+HK$5,626/mo
Deposit HK$13.30M · loan HK$19.96M · min. income ≈ HK$213,446/mo (50% DSR)
Upfront cash ≈ HK$14.72M (deposit + AVD stamp duty HK$1,413,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,184
−HK$6,658/mo
▼ 0.25% · 3.875%
HK$109,486
−HK$3,356/mo
Today · 4.125%
HK$112,842
baseline
▲ 0.50% · 4.625%
HK$119,708
+HK$6,866/mo
Deposit HK$9.98M · loan HK$23.28M · min. income ≈ HK$225,684/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$1,413,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,128
−HK$6,382/mo
▼ 0.25% · 3.875%
HK$121,296
−HK$3,214/mo
Today · 4.125%
HK$124,510
baseline
▲ 0.50% · 4.625%
HK$131,073
+HK$6,563/mo
Deposit HK$9.98M · loan HK$23.28M · min. income ≈ HK$249,020/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$1,413,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,522
−HK$8,561/mo
▼ 0.25% · 3.875%
HK$140,768
−HK$4,315/mo
Today · 4.125%
HK$145,083
baseline
▲ 0.50% · 4.625%
HK$153,911
+HK$8,828/mo
Deposit HK$3.33M · loan HK$29.94M · min. income ≈ HK$290,166/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$1,413,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,879
−HK$8,206/mo
▼ 0.25% · 3.875%
HK$155,952
−HK$4,133/mo
Today · 4.125%
HK$160,085
baseline
▲ 0.50% · 4.625%
HK$168,523
+HK$8,438/mo
Deposit HK$3.33M · loan HK$29.94M · min. income ≈ HK$320,170/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$1,413,626 · Scale 2, in force from 26 Feb 2026)