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$75,104
−HK$4,710/mo
▼ 0.25% · 3.875%
HK$77,440
−HK$2,374/mo
Today · 4.125%
HK$79,814
baseline
▲ 0.50% · 4.625%
HK$84,670
+HK$4,856/mo
Deposit HK$16.47M · loan HK$16.47M · min. income ≈ HK$159,628/mo (50% DSR)
Upfront cash ≈ HK$17.87M (deposit + AVD stamp duty HK$1,399,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,552
−HK$4,515/mo
▼ 0.25% · 3.875%
HK$85,793
−HK$2,274/mo
Today · 4.125%
HK$88,067
baseline
▲ 0.50% · 4.625%
HK$92,709
+HK$4,642/mo
Deposit HK$16.47M · loan HK$16.47M · min. income ≈ HK$176,134/mo (50% DSR)
Upfront cash ≈ HK$17.87M (deposit + AVD stamp duty HK$1,399,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,125
−HK$5,651/mo
▼ 0.25% · 3.875%
HK$92,928
−HK$2,848/mo
Today · 4.125%
HK$95,776
baseline
▲ 0.50% · 4.625%
HK$101,604
+HK$5,828/mo
Deposit HK$13.17M · loan HK$19.76M · min. income ≈ HK$191,552/mo (50% DSR)
Upfront cash ≈ HK$14.57M (deposit + AVD stamp duty HK$1,399,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,263
−HK$5,417/mo
▼ 0.25% · 3.875%
HK$102,952
−HK$2,728/mo
Today · 4.125%
HK$105,680
baseline
▲ 0.50% · 4.625%
HK$111,250
+HK$5,570/mo
Deposit HK$13.17M · loan HK$19.76M · min. income ≈ HK$211,360/mo (50% DSR)
Upfront cash ≈ HK$14.57M (deposit + AVD stamp duty HK$1,399,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,146
−HK$6,593/mo
▼ 0.25% · 3.875%
HK$108,416
−HK$3,323/mo
Today · 4.125%
HK$111,739
baseline
▲ 0.50% · 4.625%
HK$118,538
+HK$6,799/mo
Deposit HK$9.88M · loan HK$23.06M · min. income ≈ HK$223,478/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$1,399,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,973
−HK$6,320/mo
▼ 0.25% · 3.875%
HK$120,111
−HK$3,182/mo
Today · 4.125%
HK$123,293
baseline
▲ 0.50% · 4.625%
HK$129,792
+HK$6,499/mo
Deposit HK$9.88M · loan HK$23.06M · min. income ≈ HK$246,586/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$1,399,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,187
−HK$8,478/mo
▼ 0.25% · 3.875%
HK$139,392
−HK$4,273/mo
Today · 4.125%
HK$143,665
baseline
▲ 0.50% · 4.625%
HK$152,406
+HK$8,741/mo
Deposit HK$3.29M · loan HK$29.64M · min. income ≈ HK$287,330/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$1,399,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,394
−HK$8,126/mo
▼ 0.25% · 3.875%
HK$154,428
−HK$4,092/mo
Today · 4.125%
HK$158,520
baseline
▲ 0.50% · 4.625%
HK$166,876
+HK$8,356/mo
Deposit HK$3.29M · loan HK$29.64M · min. income ≈ HK$317,040/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$1,399,808 · Scale 2, in force from 26 Feb 2026)