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$79,052
−HK$4,957/mo
▼ 0.25% · 3.875%
HK$81,511
−HK$2,498/mo
Today · 4.125%
HK$84,009
baseline
▲ 0.50% · 4.625%
HK$89,121
+HK$5,112/mo
Deposit HK$17.33M · loan HK$17.33M · min. income ≈ HK$168,018/mo (50% DSR)
Upfront cash ≈ HK$18.81M (deposit + AVD stamp duty HK$1,473,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,944
−HK$4,752/mo
▼ 0.25% · 3.875%
HK$90,303
−HK$2,393/mo
Today · 4.125%
HK$92,696
baseline
▲ 0.50% · 4.625%
HK$97,582
+HK$4,886/mo
Deposit HK$17.33M · loan HK$17.33M · min. income ≈ HK$185,392/mo (50% DSR)
Upfront cash ≈ HK$18.81M (deposit + AVD stamp duty HK$1,473,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,862
−HK$5,949/mo
▼ 0.25% · 3.875%
HK$97,813
−HK$2,998/mo
Today · 4.125%
HK$100,811
baseline
▲ 0.50% · 4.625%
HK$106,945
+HK$6,134/mo
Deposit HK$13.87M · loan HK$20.80M · min. income ≈ HK$201,622/mo (50% DSR)
Upfront cash ≈ HK$15.34M (deposit + AVD stamp duty HK$1,473,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,533
−HK$5,702/mo
▼ 0.25% · 3.875%
HK$108,363
−HK$2,872/mo
Today · 4.125%
HK$111,235
baseline
▲ 0.50% · 4.625%
HK$117,098
+HK$5,863/mo
Deposit HK$13.87M · loan HK$20.80M · min. income ≈ HK$222,470/mo (50% DSR)
Upfront cash ≈ HK$15.34M (deposit + AVD stamp duty HK$1,473,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,672
−HK$6,940/mo
▼ 0.25% · 3.875%
HK$114,115
−HK$3,497/mo
Today · 4.125%
HK$117,612
baseline
▲ 0.50% · 4.625%
HK$124,769
+HK$7,157/mo
Deposit HK$10.40M · loan HK$24.27M · min. income ≈ HK$235,224/mo (50% DSR)
Upfront cash ≈ HK$11.87M (deposit + AVD stamp duty HK$1,473,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,122
−HK$6,652/mo
▼ 0.25% · 3.875%
HK$126,424
−HK$3,350/mo
Today · 4.125%
HK$129,774
baseline
▲ 0.50% · 4.625%
HK$136,614
+HK$6,840/mo
Deposit HK$10.40M · loan HK$24.27M · min. income ≈ HK$259,548/mo (50% DSR)
Upfront cash ≈ HK$11.87M (deposit + AVD stamp duty HK$1,473,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,293
−HK$8,923/mo
▼ 0.25% · 3.875%
HK$146,719
−HK$4,497/mo
Today · 4.125%
HK$151,216
baseline
▲ 0.50% · 4.625%
HK$160,417
+HK$9,201/mo
Deposit HK$3.47M · loan HK$31.20M · min. income ≈ HK$302,432/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$1,473,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,300
−HK$8,552/mo
▼ 0.25% · 3.875%
HK$162,545
−HK$4,307/mo
Today · 4.125%
HK$166,852
baseline
▲ 0.50% · 4.625%
HK$175,647
+HK$8,795/mo
Deposit HK$3.47M · loan HK$31.20M · min. income ≈ HK$333,704/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$1,473,386 · Scale 2, in force from 26 Feb 2026)