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$77,187
−HK$4,840/mo
▼ 0.25% · 3.875%
HK$79,588
−HK$2,439/mo
Today · 4.125%
HK$82,027
baseline
▲ 0.50% · 4.625%
HK$87,019
+HK$4,992/mo
Deposit HK$16.93M · loan HK$16.93M · min. income ≈ HK$164,054/mo (50% DSR)
Upfront cash ≈ HK$18.36M (deposit + AVD stamp duty HK$1,438,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,870
−HK$4,639/mo
▼ 0.25% · 3.875%
HK$88,173
−HK$2,336/mo
Today · 4.125%
HK$90,509
baseline
▲ 0.50% · 4.625%
HK$95,280
+HK$4,771/mo
Deposit HK$16.93M · loan HK$16.93M · min. income ≈ HK$181,018/mo (50% DSR)
Upfront cash ≈ HK$18.36M (deposit + AVD stamp duty HK$1,438,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,625
−HK$5,808/mo
▼ 0.25% · 3.875%
HK$95,506
−HK$2,927/mo
Today · 4.125%
HK$98,433
baseline
▲ 0.50% · 4.625%
HK$104,422
+HK$5,989/mo
Deposit HK$13.54M · loan HK$20.31M · min. income ≈ HK$196,866/mo (50% DSR)
Upfront cash ≈ HK$14.98M (deposit + AVD stamp duty HK$1,438,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,044
−HK$5,567/mo
▼ 0.25% · 3.875%
HK$105,808
−HK$2,803/mo
Today · 4.125%
HK$108,611
baseline
▲ 0.50% · 4.625%
HK$114,336
+HK$5,725/mo
Deposit HK$13.54M · loan HK$20.31M · min. income ≈ HK$217,222/mo (50% DSR)
Upfront cash ≈ HK$14.98M (deposit + AVD stamp duty HK$1,438,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,062
−HK$6,776/mo
▼ 0.25% · 3.875%
HK$111,423
−HK$3,415/mo
Today · 4.125%
HK$114,838
baseline
▲ 0.50% · 4.625%
HK$121,826
+HK$6,988/mo
Deposit HK$10.16M · loan HK$23.70M · min. income ≈ HK$229,676/mo (50% DSR)
Upfront cash ≈ HK$11.59M (deposit + AVD stamp duty HK$1,438,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,218
−HK$6,495/mo
▼ 0.25% · 3.875%
HK$123,442
−HK$3,271/mo
Today · 4.125%
HK$126,713
baseline
▲ 0.50% · 4.625%
HK$133,392
+HK$6,679/mo
Deposit HK$10.16M · loan HK$23.70M · min. income ≈ HK$253,426/mo (50% DSR)
Upfront cash ≈ HK$11.59M (deposit + AVD stamp duty HK$1,438,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,937
−HK$8,712/mo
▼ 0.25% · 3.875%
HK$143,259
−HK$4,390/mo
Today · 4.125%
HK$147,649
baseline
▲ 0.50% · 4.625%
HK$156,634
+HK$8,985/mo
Deposit HK$3.39M · loan HK$30.47M · min. income ≈ HK$295,298/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$1,438,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,566
−HK$8,351/mo
▼ 0.25% · 3.875%
HK$158,711
−HK$4,206/mo
Today · 4.125%
HK$162,917
baseline
▲ 0.50% · 4.625%
HK$171,504
+HK$8,587/mo
Deposit HK$3.39M · loan HK$30.47M · min. income ≈ HK$325,834/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$1,438,635 · Scale 2, in force from 26 Feb 2026)