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$80,091
−HK$5,023/mo
▼ 0.25% · 3.875%
HK$82,583
−HK$2,531/mo
Today · 4.125%
HK$85,114
baseline
▲ 0.50% · 4.625%
HK$90,293
+HK$5,179/mo
Deposit HK$17.56M · loan HK$17.56M · min. income ≈ HK$170,228/mo (50% DSR)
Upfront cash ≈ HK$19.05M (deposit + AVD stamp duty HK$1,492,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,101
−HK$4,814/mo
▼ 0.25% · 3.875%
HK$91,491
−HK$2,424/mo
Today · 4.125%
HK$93,915
baseline
▲ 0.50% · 4.625%
HK$98,865
+HK$4,950/mo
Deposit HK$17.56M · loan HK$17.56M · min. income ≈ HK$187,830/mo (50% DSR)
Upfront cash ≈ HK$19.05M (deposit + AVD stamp duty HK$1,492,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,110
−HK$6,027/mo
▼ 0.25% · 3.875%
HK$99,099
−HK$3,038/mo
Today · 4.125%
HK$102,137
baseline
▲ 0.50% · 4.625%
HK$108,351
+HK$6,214/mo
Deposit HK$14.05M · loan HK$21.07M · min. income ≈ HK$204,274/mo (50% DSR)
Upfront cash ≈ HK$15.54M (deposit + AVD stamp duty HK$1,492,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,921
−HK$5,777/mo
▼ 0.25% · 3.875%
HK$109,789
−HK$2,909/mo
Today · 4.125%
HK$112,698
baseline
▲ 0.50% · 4.625%
HK$118,638
+HK$5,940/mo
Deposit HK$14.05M · loan HK$21.07M · min. income ≈ HK$225,396/mo (50% DSR)
Upfront cash ≈ HK$15.54M (deposit + AVD stamp duty HK$1,492,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,128
−HK$7,031/mo
▼ 0.25% · 3.875%
HK$115,616
−HK$3,543/mo
Today · 4.125%
HK$119,159
baseline
▲ 0.50% · 4.625%
HK$126,410
+HK$7,251/mo
Deposit HK$10.54M · loan HK$24.59M · min. income ≈ HK$238,318/mo (50% DSR)
Upfront cash ≈ HK$12.03M (deposit + AVD stamp duty HK$1,492,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,741
−HK$6,740/mo
▼ 0.25% · 3.875%
HK$128,087
−HK$3,394/mo
Today · 4.125%
HK$131,481
baseline
▲ 0.50% · 4.625%
HK$138,411
+HK$6,930/mo
Deposit HK$10.54M · loan HK$24.59M · min. income ≈ HK$262,962/mo (50% DSR)
Upfront cash ≈ HK$12.03M (deposit + AVD stamp duty HK$1,492,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,165
−HK$9,040/mo
▼ 0.25% · 3.875%
HK$148,649
−HK$4,556/mo
Today · 4.125%
HK$153,205
baseline
▲ 0.50% · 4.625%
HK$162,527
+HK$9,322/mo
Deposit HK$3.51M · loan HK$31.61M · min. income ≈ HK$306,410/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$1,492,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,382
−HK$8,665/mo
▼ 0.25% · 3.875%
HK$164,683
−HK$4,364/mo
Today · 4.125%
HK$169,047
baseline
▲ 0.50% · 4.625%
HK$177,957
+HK$8,910/mo
Deposit HK$3.51M · loan HK$31.61M · min. income ≈ HK$338,094/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$1,492,765 · Scale 2, in force from 26 Feb 2026)