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$77,237
−HK$4,843/mo
▼ 0.25% · 3.875%
HK$79,639
−HK$2,441/mo
Today · 4.125%
HK$82,080
baseline
▲ 0.50% · 4.625%
HK$87,075
+HK$4,995/mo
Deposit HK$16.94M · loan HK$16.94M · min. income ≈ HK$164,160/mo (50% DSR)
Upfront cash ≈ HK$18.38M (deposit + AVD stamp duty HK$1,439,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,925
−HK$4,643/mo
▼ 0.25% · 3.875%
HK$88,230
−HK$2,338/mo
Today · 4.125%
HK$90,568
baseline
▲ 0.50% · 4.625%
HK$95,341
+HK$4,773/mo
Deposit HK$16.94M · loan HK$16.94M · min. income ≈ HK$181,136/mo (50% DSR)
Upfront cash ≈ HK$18.38M (deposit + AVD stamp duty HK$1,439,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,684
−HK$5,812/mo
▼ 0.25% · 3.875%
HK$95,567
−HK$2,929/mo
Today · 4.125%
HK$98,496
baseline
▲ 0.50% · 4.625%
HK$104,490
+HK$5,994/mo
Deposit HK$13.55M · loan HK$20.32M · min. income ≈ HK$196,992/mo (50% DSR)
Upfront cash ≈ HK$14.99M (deposit + AVD stamp duty HK$1,439,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,110
−HK$5,571/mo
▼ 0.25% · 3.875%
HK$105,876
−HK$2,805/mo
Today · 4.125%
HK$108,681
baseline
▲ 0.50% · 4.625%
HK$114,410
+HK$5,729/mo
Deposit HK$13.55M · loan HK$20.32M · min. income ≈ HK$217,362/mo (50% DSR)
Upfront cash ≈ HK$14.99M (deposit + AVD stamp duty HK$1,439,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,132
−HK$6,780/mo
▼ 0.25% · 3.875%
HK$111,495
−HK$3,417/mo
Today · 4.125%
HK$114,912
baseline
▲ 0.50% · 4.625%
HK$121,905
+HK$6,993/mo
Deposit HK$10.16M · loan HK$23.71M · min. income ≈ HK$229,824/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$1,439,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,295
−HK$6,500/mo
▼ 0.25% · 3.875%
HK$123,522
−HK$3,273/mo
Today · 4.125%
HK$126,795
baseline
▲ 0.50% · 4.625%
HK$133,478
+HK$6,683/mo
Deposit HK$10.16M · loan HK$23.71M · min. income ≈ HK$253,590/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$1,439,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,026
−HK$8,719/mo
▼ 0.25% · 3.875%
HK$143,351
−HK$4,394/mo
Today · 4.125%
HK$147,745
baseline
▲ 0.50% · 4.625%
HK$156,734
+HK$8,989/mo
Deposit HK$3.39M · loan HK$30.48M · min. income ≈ HK$295,490/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$1,439,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,665
−HK$8,357/mo
▼ 0.25% · 3.875%
HK$158,813
−HK$4,209/mo
Today · 4.125%
HK$163,022
baseline
▲ 0.50% · 4.625%
HK$171,615
+HK$8,593/mo
Deposit HK$3.39M · loan HK$30.48M · min. income ≈ HK$326,044/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$1,439,561 · Scale 2, in force from 26 Feb 2026)