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$73,250
−HK$4,593/mo
▼ 0.25% · 3.875%
HK$75,528
−HK$2,315/mo
Today · 4.125%
HK$77,843
baseline
▲ 0.50% · 4.625%
HK$82,580
+HK$4,737/mo
Deposit HK$16.06M · loan HK$16.06M · min. income ≈ HK$155,686/mo (50% DSR)
Upfront cash ≈ HK$17.43M (deposit + AVD stamp duty HK$1,365,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,490
−HK$4,402/mo
▼ 0.25% · 3.875%
HK$83,675
−HK$2,217/mo
Today · 4.125%
HK$85,892
baseline
▲ 0.50% · 4.625%
HK$90,420
+HK$4,528/mo
Deposit HK$16.06M · loan HK$16.06M · min. income ≈ HK$171,784/mo (50% DSR)
Upfront cash ≈ HK$17.43M (deposit + AVD stamp duty HK$1,365,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,900
−HK$5,512/mo
▼ 0.25% · 3.875%
HK$90,634
−HK$2,778/mo
Today · 4.125%
HK$93,412
baseline
▲ 0.50% · 4.625%
HK$99,096
+HK$5,684/mo
Deposit HK$12.85M · loan HK$19.27M · min. income ≈ HK$186,824/mo (50% DSR)
Upfront cash ≈ HK$14.21M (deposit + AVD stamp duty HK$1,365,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,788
−HK$5,283/mo
▼ 0.25% · 3.875%
HK$100,410
−HK$2,661/mo
Today · 4.125%
HK$103,071
baseline
▲ 0.50% · 4.625%
HK$108,504
+HK$5,433/mo
Deposit HK$12.85M · loan HK$19.27M · min. income ≈ HK$206,142/mo (50% DSR)
Upfront cash ≈ HK$14.21M (deposit + AVD stamp duty HK$1,365,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,550
−HK$6,430/mo
▼ 0.25% · 3.875%
HK$105,740
−HK$3,240/mo
Today · 4.125%
HK$108,980
baseline
▲ 0.50% · 4.625%
HK$115,612
+HK$6,632/mo
Deposit HK$9.64M · loan HK$22.49M · min. income ≈ HK$217,960/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$1,365,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,086
−HK$6,163/mo
▼ 0.25% · 3.875%
HK$117,145
−HK$3,104/mo
Today · 4.125%
HK$120,249
baseline
▲ 0.50% · 4.625%
HK$126,588
+HK$6,339/mo
Deposit HK$9.64M · loan HK$22.49M · min. income ≈ HK$240,498/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$1,365,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,850
−HK$8,268/mo
▼ 0.25% · 3.875%
HK$135,951
−HK$4,167/mo
Today · 4.125%
HK$140,118
baseline
▲ 0.50% · 4.625%
HK$148,644
+HK$8,526/mo
Deposit HK$3.21M · loan HK$28.91M · min. income ≈ HK$280,236/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$1,365,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,681
−HK$7,925/mo
▼ 0.25% · 3.875%
HK$150,615
−HK$3,991/mo
Today · 4.125%
HK$154,606
baseline
▲ 0.50% · 4.625%
HK$162,756
+HK$8,150/mo
Deposit HK$3.21M · loan HK$28.91M · min. income ≈ HK$309,212/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$1,365,249 · Scale 2, in force from 26 Feb 2026)