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$79,381
−HK$4,978/mo
▼ 0.25% · 3.875%
HK$81,850
−HK$2,509/mo
Today · 4.125%
HK$84,359
baseline
▲ 0.50% · 4.625%
HK$89,492
+HK$5,133/mo
Deposit HK$17.41M · loan HK$17.41M · min. income ≈ HK$168,718/mo (50% DSR)
Upfront cash ≈ HK$18.89M (deposit + AVD stamp duty HK$1,479,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,311
−HK$4,771/mo
▼ 0.25% · 3.875%
HK$90,679
−HK$2,403/mo
Today · 4.125%
HK$93,082
baseline
▲ 0.50% · 4.625%
HK$97,988
+HK$4,906/mo
Deposit HK$17.41M · loan HK$17.41M · min. income ≈ HK$186,164/mo (50% DSR)
Upfront cash ≈ HK$18.89M (deposit + AVD stamp duty HK$1,479,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,257
−HK$5,974/mo
▼ 0.25% · 3.875%
HK$98,220
−HK$3,011/mo
Today · 4.125%
HK$101,231
baseline
▲ 0.50% · 4.625%
HK$107,390
+HK$6,159/mo
Deposit HK$13.92M · loan HK$20.89M · min. income ≈ HK$202,462/mo (50% DSR)
Upfront cash ≈ HK$15.40M (deposit + AVD stamp duty HK$1,479,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,973
−HK$5,725/mo
▼ 0.25% · 3.875%
HK$108,815
−HK$2,883/mo
Today · 4.125%
HK$111,698
baseline
▲ 0.50% · 4.625%
HK$117,586
+HK$5,888/mo
Deposit HK$13.92M · loan HK$20.89M · min. income ≈ HK$223,396/mo (50% DSR)
Upfront cash ≈ HK$15.40M (deposit + AVD stamp duty HK$1,479,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,133
−HK$6,969/mo
▼ 0.25% · 3.875%
HK$114,590
−HK$3,512/mo
Today · 4.125%
HK$118,102
baseline
▲ 0.50% · 4.625%
HK$125,289
+HK$7,187/mo
Deposit HK$10.44M · loan HK$24.37M · min. income ≈ HK$236,204/mo (50% DSR)
Upfront cash ≈ HK$11.92M (deposit + AVD stamp duty HK$1,479,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,635
−HK$6,679/mo
▼ 0.25% · 3.875%
HK$126,951
−HK$3,363/mo
Today · 4.125%
HK$130,314
baseline
▲ 0.50% · 4.625%
HK$137,183
+HK$6,869/mo
Deposit HK$10.44M · loan HK$24.37M · min. income ≈ HK$260,628/mo (50% DSR)
Upfront cash ≈ HK$11.92M (deposit + AVD stamp duty HK$1,479,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,886
−HK$8,960/mo
▼ 0.25% · 3.875%
HK$147,330
−HK$4,516/mo
Today · 4.125%
HK$151,846
baseline
▲ 0.50% · 4.625%
HK$161,085
+HK$9,239/mo
Deposit HK$3.48M · loan HK$31.33M · min. income ≈ HK$303,692/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$1,479,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,959
−HK$8,588/mo
▼ 0.25% · 3.875%
HK$163,222
−HK$4,325/mo
Today · 4.125%
HK$167,547
baseline
▲ 0.50% · 4.625%
HK$176,379
+HK$8,832/mo
Deposit HK$3.48M · loan HK$31.33M · min. income ≈ HK$335,094/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$1,479,523 · Scale 2, in force from 26 Feb 2026)