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$77,459
−HK$4,857/mo
▼ 0.25% · 3.875%
HK$79,868
−HK$2,448/mo
Today · 4.125%
HK$82,316
baseline
▲ 0.50% · 4.625%
HK$87,325
+HK$5,009/mo
Deposit HK$16.98M · loan HK$16.98M · min. income ≈ HK$164,632/mo (50% DSR)
Upfront cash ≈ HK$18.43M (deposit + AVD stamp duty HK$1,443,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,172
−HK$4,656/mo
▼ 0.25% · 3.875%
HK$88,484
−HK$2,344/mo
Today · 4.125%
HK$90,828
baseline
▲ 0.50% · 4.625%
HK$95,616
+HK$4,788/mo
Deposit HK$16.98M · loan HK$16.98M · min. income ≈ HK$181,656/mo (50% DSR)
Upfront cash ≈ HK$18.43M (deposit + AVD stamp duty HK$1,443,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,951
−HK$5,829/mo
▼ 0.25% · 3.875%
HK$95,842
−HK$2,938/mo
Today · 4.125%
HK$98,780
baseline
▲ 0.50% · 4.625%
HK$104,790
+HK$6,010/mo
Deposit HK$13.59M · loan HK$20.38M · min. income ≈ HK$197,560/mo (50% DSR)
Upfront cash ≈ HK$15.03M (deposit + AVD stamp duty HK$1,443,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,407
−HK$5,587/mo
▼ 0.25% · 3.875%
HK$106,180
−HK$2,814/mo
Today · 4.125%
HK$108,994
baseline
▲ 0.50% · 4.625%
HK$114,739
+HK$5,745/mo
Deposit HK$13.59M · loan HK$20.38M · min. income ≈ HK$217,988/mo (50% DSR)
Upfront cash ≈ HK$15.03M (deposit + AVD stamp duty HK$1,443,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,443
−HK$6,800/mo
▼ 0.25% · 3.875%
HK$111,816
−HK$3,427/mo
Today · 4.125%
HK$115,243
baseline
▲ 0.50% · 4.625%
HK$122,255
+HK$7,012/mo
Deposit HK$10.19M · loan HK$23.78M · min. income ≈ HK$230,486/mo (50% DSR)
Upfront cash ≈ HK$11.63M (deposit + AVD stamp duty HK$1,443,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,641
−HK$6,518/mo
▼ 0.25% · 3.875%
HK$123,877
−HK$3,282/mo
Today · 4.125%
HK$127,159
baseline
▲ 0.50% · 4.625%
HK$133,862
+HK$6,703/mo
Deposit HK$10.19M · loan HK$23.78M · min. income ≈ HK$254,318/mo (50% DSR)
Upfront cash ≈ HK$11.63M (deposit + AVD stamp duty HK$1,443,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,426
−HK$8,744/mo
▼ 0.25% · 3.875%
HK$143,763
−HK$4,407/mo
Today · 4.125%
HK$148,170
baseline
▲ 0.50% · 4.625%
HK$157,185
+HK$9,015/mo
Deposit HK$3.40M · loan HK$30.57M · min. income ≈ HK$296,340/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$1,443,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,110
−HK$8,381/mo
▼ 0.25% · 3.875%
HK$159,270
−HK$4,221/mo
Today · 4.125%
HK$163,491
baseline
▲ 0.50% · 4.625%
HK$172,108
+HK$8,617/mo
Deposit HK$3.40M · loan HK$30.57M · min. income ≈ HK$326,982/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$1,443,702 · Scale 2, in force from 26 Feb 2026)