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$76,665
−HK$4,808/mo
▼ 0.25% · 3.875%
HK$79,050
−HK$2,423/mo
Today · 4.125%
HK$81,473
baseline
▲ 0.50% · 4.625%
HK$86,430
+HK$4,957/mo
Deposit HK$16.81M · loan HK$16.81M · min. income ≈ HK$162,946/mo (50% DSR)
Upfront cash ≈ HK$18.24M (deposit + AVD stamp duty HK$1,428,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,289
−HK$4,608/mo
▼ 0.25% · 3.875%
HK$87,577
−HK$2,320/mo
Today · 4.125%
HK$89,897
baseline
▲ 0.50% · 4.625%
HK$94,636
+HK$4,739/mo
Deposit HK$16.81M · loan HK$16.81M · min. income ≈ HK$179,794/mo (50% DSR)
Upfront cash ≈ HK$18.24M (deposit + AVD stamp duty HK$1,428,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,998
−HK$5,770/mo
▼ 0.25% · 3.875%
HK$94,860
−HK$2,908/mo
Today · 4.125%
HK$97,768
baseline
▲ 0.50% · 4.625%
HK$103,716
+HK$5,948/mo
Deposit HK$13.45M · loan HK$20.17M · min. income ≈ HK$195,536/mo (50% DSR)
Upfront cash ≈ HK$14.88M (deposit + AVD stamp duty HK$1,428,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,347
−HK$5,530/mo
▼ 0.25% · 3.875%
HK$105,092
−HK$2,785/mo
Today · 4.125%
HK$107,877
baseline
▲ 0.50% · 4.625%
HK$113,563
+HK$5,686/mo
Deposit HK$13.45M · loan HK$20.17M · min. income ≈ HK$215,754/mo (50% DSR)
Upfront cash ≈ HK$14.88M (deposit + AVD stamp duty HK$1,428,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,331
−HK$6,731/mo
▼ 0.25% · 3.875%
HK$110,670
−HK$3,392/mo
Today · 4.125%
HK$114,062
baseline
▲ 0.50% · 4.625%
HK$121,003
+HK$6,941/mo
Deposit HK$10.09M · loan HK$23.53M · min. income ≈ HK$228,124/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$1,428,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,405
−HK$6,451/mo
▼ 0.25% · 3.875%
HK$122,608
−HK$3,248/mo
Today · 4.125%
HK$125,856
baseline
▲ 0.50% · 4.625%
HK$132,490
+HK$6,634/mo
Deposit HK$10.09M · loan HK$23.53M · min. income ≈ HK$251,712/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$1,428,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,998
−HK$8,653/mo
▼ 0.25% · 3.875%
HK$142,290
−HK$4,361/mo
Today · 4.125%
HK$146,651
baseline
▲ 0.50% · 4.625%
HK$155,575
+HK$8,924/mo
Deposit HK$3.36M · loan HK$30.26M · min. income ≈ HK$293,302/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$1,428,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,521
−HK$8,294/mo
▼ 0.25% · 3.875%
HK$157,638
−HK$4,177/mo
Today · 4.125%
HK$161,815
baseline
▲ 0.50% · 4.625%
HK$170,345
+HK$8,530/mo
Deposit HK$3.36M · loan HK$30.26M · min. income ≈ HK$323,630/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$1,428,909 · Scale 2, in force from 26 Feb 2026)