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$74,857
−HK$4,695/mo
▼ 0.25% · 3.875%
HK$77,186
−HK$2,366/mo
Today · 4.125%
HK$79,552
baseline
▲ 0.50% · 4.625%
HK$84,392
+HK$4,840/mo
Deposit HK$16.41M · loan HK$16.41M · min. income ≈ HK$159,104/mo (50% DSR)
Upfront cash ≈ HK$17.81M (deposit + AVD stamp duty HK$1,395,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,278
−HK$4,499/mo
▼ 0.25% · 3.875%
HK$85,512
−HK$2,265/mo
Today · 4.125%
HK$87,777
baseline
▲ 0.50% · 4.625%
HK$92,404
+HK$4,627/mo
Deposit HK$16.41M · loan HK$16.41M · min. income ≈ HK$175,554/mo (50% DSR)
Upfront cash ≈ HK$17.81M (deposit + AVD stamp duty HK$1,395,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,829
−HK$5,633/mo
▼ 0.25% · 3.875%
HK$92,623
−HK$2,839/mo
Today · 4.125%
HK$95,462
baseline
▲ 0.50% · 4.625%
HK$101,271
+HK$5,809/mo
Deposit HK$13.13M · loan HK$19.70M · min. income ≈ HK$190,924/mo (50% DSR)
Upfront cash ≈ HK$14.53M (deposit + AVD stamp duty HK$1,395,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,934
−HK$5,399/mo
▼ 0.25% · 3.875%
HK$102,614
−HK$2,719/mo
Today · 4.125%
HK$105,333
baseline
▲ 0.50% · 4.625%
HK$110,885
+HK$5,552/mo
Deposit HK$13.13M · loan HK$19.70M · min. income ≈ HK$210,666/mo (50% DSR)
Upfront cash ≈ HK$14.53M (deposit + AVD stamp duty HK$1,395,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,800
−HK$6,572/mo
▼ 0.25% · 3.875%
HK$108,060
−HK$3,312/mo
Today · 4.125%
HK$111,372
baseline
▲ 0.50% · 4.625%
HK$118,149
+HK$6,777/mo
Deposit HK$9.85M · loan HK$22.98M · min. income ≈ HK$222,744/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$1,395,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,589
−HK$6,299/mo
▼ 0.25% · 3.875%
HK$119,716
−HK$3,172/mo
Today · 4.125%
HK$122,888
baseline
▲ 0.50% · 4.625%
HK$129,366
+HK$6,478/mo
Deposit HK$9.85M · loan HK$22.98M · min. income ≈ HK$245,776/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$1,395,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,743
−HK$8,450/mo
▼ 0.25% · 3.875%
HK$138,935
−HK$4,258/mo
Today · 4.125%
HK$143,193
baseline
▲ 0.50% · 4.625%
HK$151,906
+HK$8,713/mo
Deposit HK$3.28M · loan HK$29.55M · min. income ≈ HK$286,386/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$1,395,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,901
−HK$8,098/mo
▼ 0.25% · 3.875%
HK$153,921
−HK$4,078/mo
Today · 4.125%
HK$157,999
baseline
▲ 0.50% · 4.625%
HK$166,328
+HK$8,329/mo
Deposit HK$3.28M · loan HK$29.55M · min. income ≈ HK$315,998/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$1,395,212 · Scale 2, in force from 26 Feb 2026)