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$78,702
−HK$4,936/mo
▼ 0.25% · 3.875%
HK$81,150
−HK$2,488/mo
Today · 4.125%
HK$83,638
baseline
▲ 0.50% · 4.625%
HK$88,727
+HK$5,089/mo
Deposit HK$17.26M · loan HK$17.26M · min. income ≈ HK$167,276/mo (50% DSR)
Upfront cash ≈ HK$18.72M (deposit + AVD stamp duty HK$1,466,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,556
−HK$4,730/mo
▼ 0.25% · 3.875%
HK$89,904
−HK$2,382/mo
Today · 4.125%
HK$92,286
baseline
▲ 0.50% · 4.625%
HK$97,150
+HK$4,864/mo
Deposit HK$17.26M · loan HK$17.26M · min. income ≈ HK$184,572/mo (50% DSR)
Upfront cash ≈ HK$18.72M (deposit + AVD stamp duty HK$1,466,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,443
−HK$5,922/mo
▼ 0.25% · 3.875%
HK$97,381
−HK$2,984/mo
Today · 4.125%
HK$100,365
baseline
▲ 0.50% · 4.625%
HK$106,472
+HK$6,107/mo
Deposit HK$13.81M · loan HK$20.71M · min. income ≈ HK$200,730/mo (50% DSR)
Upfront cash ≈ HK$15.27M (deposit + AVD stamp duty HK$1,466,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,067
−HK$5,676/mo
▼ 0.25% · 3.875%
HK$107,885
−HK$2,858/mo
Today · 4.125%
HK$110,743
baseline
▲ 0.50% · 4.625%
HK$116,581
+HK$5,838/mo
Deposit HK$13.81M · loan HK$20.71M · min. income ≈ HK$221,486/mo (50% DSR)
Upfront cash ≈ HK$15.27M (deposit + AVD stamp duty HK$1,466,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,183
−HK$6,910/mo
▼ 0.25% · 3.875%
HK$113,611
−HK$3,482/mo
Today · 4.125%
HK$117,093
baseline
▲ 0.50% · 4.625%
HK$124,218
+HK$7,125/mo
Deposit HK$10.35M · loan HK$24.16M · min. income ≈ HK$234,186/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$1,466,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,578
−HK$6,622/mo
▼ 0.25% · 3.875%
HK$125,865
−HK$3,335/mo
Today · 4.125%
HK$129,200
baseline
▲ 0.50% · 4.625%
HK$136,011
+HK$6,811/mo
Deposit HK$10.35M · loan HK$24.16M · min. income ≈ HK$258,400/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$1,466,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,664
−HK$8,884/mo
▼ 0.25% · 3.875%
HK$146,071
−HK$4,477/mo
Today · 4.125%
HK$150,548
baseline
▲ 0.50% · 4.625%
HK$159,708
+HK$9,160/mo
Deposit HK$3.45M · loan HK$31.06M · min. income ≈ HK$301,096/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$1,466,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,600
−HK$8,515/mo
▼ 0.25% · 3.875%
HK$161,827
−HK$4,288/mo
Today · 4.125%
HK$166,115
baseline
▲ 0.50% · 4.625%
HK$174,871
+HK$8,756/mo
Deposit HK$3.45M · loan HK$31.06M · min. income ≈ HK$332,230/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$1,466,876 · Scale 2, in force from 26 Feb 2026)