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$74,280
−HK$4,658/mo
▼ 0.25% · 3.875%
HK$76,591
−HK$2,347/mo
Today · 4.125%
HK$78,938
baseline
▲ 0.50% · 4.625%
HK$83,742
+HK$4,804/mo
Deposit HK$16.29M · loan HK$16.29M · min. income ≈ HK$157,876/mo (50% DSR)
Upfront cash ≈ HK$17.67M (deposit + AVD stamp duty HK$1,384,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,636
−HK$4,465/mo
▼ 0.25% · 3.875%
HK$84,852
−HK$2,249/mo
Today · 4.125%
HK$87,101
baseline
▲ 0.50% · 4.625%
HK$91,692
+HK$4,591/mo
Deposit HK$16.29M · loan HK$16.29M · min. income ≈ HK$174,202/mo (50% DSR)
Upfront cash ≈ HK$17.67M (deposit + AVD stamp duty HK$1,384,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,136
−HK$5,590/mo
▼ 0.25% · 3.875%
HK$91,909
−HK$2,817/mo
Today · 4.125%
HK$94,726
baseline
▲ 0.50% · 4.625%
HK$100,490
+HK$5,764/mo
Deposit HK$13.03M · loan HK$19.55M · min. income ≈ HK$189,452/mo (50% DSR)
Upfront cash ≈ HK$14.41M (deposit + AVD stamp duty HK$1,384,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,163
−HK$5,358/mo
▼ 0.25% · 3.875%
HK$101,823
−HK$2,698/mo
Today · 4.125%
HK$104,521
baseline
▲ 0.50% · 4.625%
HK$110,030
+HK$5,509/mo
Deposit HK$13.03M · loan HK$19.55M · min. income ≈ HK$209,042/mo (50% DSR)
Upfront cash ≈ HK$14.41M (deposit + AVD stamp duty HK$1,384,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,993
−HK$6,521/mo
▼ 0.25% · 3.875%
HK$107,227
−HK$3,287/mo
Today · 4.125%
HK$110,514
baseline
▲ 0.50% · 4.625%
HK$117,238
+HK$6,724/mo
Deposit HK$9.77M · loan HK$22.80M · min. income ≈ HK$221,028/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$1,384,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,691
−HK$6,250/mo
▼ 0.25% · 3.875%
HK$118,793
−HK$3,148/mo
Today · 4.125%
HK$121,941
baseline
▲ 0.50% · 4.625%
HK$128,369
+HK$6,428/mo
Deposit HK$9.77M · loan HK$22.80M · min. income ≈ HK$243,882/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$1,384,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,705
−HK$8,384/mo
▼ 0.25% · 3.875%
HK$137,864
−HK$4,225/mo
Today · 4.125%
HK$142,089
baseline
▲ 0.50% · 4.625%
HK$150,735
+HK$8,646/mo
Deposit HK$3.26M · loan HK$29.32M · min. income ≈ HK$284,178/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$1,384,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,745
−HK$8,036/mo
▼ 0.25% · 3.875%
HK$152,734
−HK$4,047/mo
Today · 4.125%
HK$156,781
baseline
▲ 0.50% · 4.625%
HK$165,045
+HK$8,264/mo
Deposit HK$3.26M · loan HK$29.32M · min. income ≈ HK$313,562/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$1,384,457 · Scale 2, in force from 26 Feb 2026)