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$75,569
−HK$4,739/mo
▼ 0.25% · 3.875%
HK$77,920
−HK$2,388/mo
Today · 4.125%
HK$80,308
baseline
▲ 0.50% · 4.625%
HK$85,194
+HK$4,886/mo
Deposit HK$16.57M · loan HK$16.57M · min. income ≈ HK$160,616/mo (50% DSR)
Upfront cash ≈ HK$17.98M (deposit + AVD stamp duty HK$1,408,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,070
−HK$4,542/mo
▼ 0.25% · 3.875%
HK$86,324
−HK$2,288/mo
Today · 4.125%
HK$88,612
baseline
▲ 0.50% · 4.625%
HK$93,283
+HK$4,671/mo
Deposit HK$16.57M · loan HK$16.57M · min. income ≈ HK$177,224/mo (50% DSR)
Upfront cash ≈ HK$17.98M (deposit + AVD stamp duty HK$1,408,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,683
−HK$5,686/mo
▼ 0.25% · 3.875%
HK$93,504
−HK$2,865/mo
Today · 4.125%
HK$96,369
baseline
▲ 0.50% · 4.625%
HK$102,233
+HK$5,864/mo
Deposit HK$13.26M · loan HK$19.88M · min. income ≈ HK$192,738/mo (50% DSR)
Upfront cash ≈ HK$14.66M (deposit + AVD stamp duty HK$1,408,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,884
−HK$5,450/mo
▼ 0.25% · 3.875%
HK$103,589
−HK$2,745/mo
Today · 4.125%
HK$106,334
baseline
▲ 0.50% · 4.625%
HK$111,939
+HK$5,605/mo
Deposit HK$13.26M · loan HK$19.88M · min. income ≈ HK$212,668/mo (50% DSR)
Upfront cash ≈ HK$14.66M (deposit + AVD stamp duty HK$1,408,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,797
−HK$6,634/mo
▼ 0.25% · 3.875%
HK$109,087
−HK$3,344/mo
Today · 4.125%
HK$112,431
baseline
▲ 0.50% · 4.625%
HK$119,272
+HK$6,841/mo
Deposit HK$9.94M · loan HK$23.20M · min. income ≈ HK$224,862/mo (50% DSR)
Upfront cash ≈ HK$11.35M (deposit + AVD stamp duty HK$1,408,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,698
−HK$6,358/mo
▼ 0.25% · 3.875%
HK$120,854
−HK$3,202/mo
Today · 4.125%
HK$124,056
baseline
▲ 0.50% · 4.625%
HK$130,596
+HK$6,540/mo
Deposit HK$9.94M · loan HK$23.20M · min. income ≈ HK$248,112/mo (50% DSR)
Upfront cash ≈ HK$11.35M (deposit + AVD stamp duty HK$1,408,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,024
−HK$8,530/mo
▼ 0.25% · 3.875%
HK$140,255
−HK$4,299/mo
Today · 4.125%
HK$144,554
baseline
▲ 0.50% · 4.625%
HK$153,350
+HK$8,796/mo
Deposit HK$3.31M · loan HK$29.83M · min. income ≈ HK$289,108/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$1,408,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,326
−HK$8,175/mo
▼ 0.25% · 3.875%
HK$155,384
−HK$4,117/mo
Today · 4.125%
HK$159,501
baseline
▲ 0.50% · 4.625%
HK$167,909
+HK$8,408/mo
Deposit HK$3.31M · loan HK$29.83M · min. income ≈ HK$319,002/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$1,408,475 · Scale 2, in force from 26 Feb 2026)