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$77,804
−HK$4,879/mo
▼ 0.25% · 3.875%
HK$80,224
−HK$2,459/mo
Today · 4.125%
HK$82,683
baseline
▲ 0.50% · 4.625%
HK$87,714
+HK$5,031/mo
Deposit HK$17.06M · loan HK$17.06M · min. income ≈ HK$165,366/mo (50% DSR)
Upfront cash ≈ HK$18.51M (deposit + AVD stamp duty HK$1,450,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,556
−HK$4,677/mo
▼ 0.25% · 3.875%
HK$88,878
−HK$2,355/mo
Today · 4.125%
HK$91,233
baseline
▲ 0.50% · 4.625%
HK$96,042
+HK$4,809/mo
Deposit HK$17.06M · loan HK$17.06M · min. income ≈ HK$182,466/mo (50% DSR)
Upfront cash ≈ HK$18.51M (deposit + AVD stamp duty HK$1,450,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,365
−HK$5,855/mo
▼ 0.25% · 3.875%
HK$96,269
−HK$2,951/mo
Today · 4.125%
HK$99,220
baseline
▲ 0.50% · 4.625%
HK$105,257
+HK$6,037/mo
Deposit HK$13.65M · loan HK$20.47M · min. income ≈ HK$198,440/mo (50% DSR)
Upfront cash ≈ HK$15.10M (deposit + AVD stamp duty HK$1,450,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,868
−HK$5,611/mo
▼ 0.25% · 3.875%
HK$106,653
−HK$2,826/mo
Today · 4.125%
HK$109,479
baseline
▲ 0.50% · 4.625%
HK$115,250
+HK$5,771/mo
Deposit HK$13.65M · loan HK$20.47M · min. income ≈ HK$218,958/mo (50% DSR)
Upfront cash ≈ HK$15.10M (deposit + AVD stamp duty HK$1,450,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,926
−HK$6,830/mo
▼ 0.25% · 3.875%
HK$112,314
−HK$3,442/mo
Today · 4.125%
HK$115,756
baseline
▲ 0.50% · 4.625%
HK$122,800
+HK$7,044/mo
Deposit HK$10.24M · loan HK$23.88M · min. income ≈ HK$231,512/mo (50% DSR)
Upfront cash ≈ HK$11.69M (deposit + AVD stamp duty HK$1,450,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,179
−HK$6,547/mo
▼ 0.25% · 3.875%
HK$124,429
−HK$3,297/mo
Today · 4.125%
HK$127,726
baseline
▲ 0.50% · 4.625%
HK$134,458
+HK$6,732/mo
Deposit HK$10.24M · loan HK$23.88M · min. income ≈ HK$255,452/mo (50% DSR)
Upfront cash ≈ HK$11.69M (deposit + AVD stamp duty HK$1,450,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,047
−HK$8,783/mo
▼ 0.25% · 3.875%
HK$144,404
−HK$4,426/mo
Today · 4.125%
HK$148,830
baseline
▲ 0.50% · 4.625%
HK$157,886
+HK$9,056/mo
Deposit HK$3.41M · loan HK$30.71M · min. income ≈ HK$297,660/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$1,450,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,801
−HK$8,418/mo
▼ 0.25% · 3.875%
HK$159,980
−HK$4,239/mo
Today · 4.125%
HK$164,219
baseline
▲ 0.50% · 4.625%
HK$172,875
+HK$8,656/mo
Deposit HK$3.41M · loan HK$30.71M · min. income ≈ HK$328,438/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$1,450,133 · Scale 2, in force from 26 Feb 2026)