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$74,370
−HK$4,664/mo
▼ 0.25% · 3.875%
HK$76,683
−HK$2,351/mo
Today · 4.125%
HK$79,034
baseline
▲ 0.50% · 4.625%
HK$83,843
+HK$4,809/mo
Deposit HK$16.31M · loan HK$16.31M · min. income ≈ HK$158,068/mo (50% DSR)
Upfront cash ≈ HK$17.69M (deposit + AVD stamp duty HK$1,386,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,736
−HK$4,470/mo
▼ 0.25% · 3.875%
HK$84,955
−HK$2,251/mo
Today · 4.125%
HK$87,206
baseline
▲ 0.50% · 4.625%
HK$91,803
+HK$4,597/mo
Deposit HK$16.31M · loan HK$16.31M · min. income ≈ HK$174,412/mo (50% DSR)
Upfront cash ≈ HK$17.69M (deposit + AVD stamp duty HK$1,386,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,244
−HK$5,597/mo
▼ 0.25% · 3.875%
HK$92,020
−HK$2,821/mo
Today · 4.125%
HK$94,841
baseline
▲ 0.50% · 4.625%
HK$100,611
+HK$5,770/mo
Deposit HK$13.05M · loan HK$19.57M · min. income ≈ HK$189,682/mo (50% DSR)
Upfront cash ≈ HK$14.43M (deposit + AVD stamp duty HK$1,386,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,283
−HK$5,364/mo
▼ 0.25% · 3.875%
HK$101,946
−HK$2,701/mo
Today · 4.125%
HK$104,647
baseline
▲ 0.50% · 4.625%
HK$110,163
+HK$5,516/mo
Deposit HK$13.05M · loan HK$19.57M · min. income ≈ HK$209,294/mo (50% DSR)
Upfront cash ≈ HK$14.43M (deposit + AVD stamp duty HK$1,386,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,118
−HK$6,529/mo
▼ 0.25% · 3.875%
HK$107,357
−HK$3,290/mo
Today · 4.125%
HK$110,647
baseline
▲ 0.50% · 4.625%
HK$117,380
+HK$6,733/mo
Deposit HK$9.78M · loan HK$22.83M · min. income ≈ HK$221,294/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$1,386,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,830
−HK$6,258/mo
▼ 0.25% · 3.875%
HK$118,937
−HK$3,151/mo
Today · 4.125%
HK$122,088
baseline
▲ 0.50% · 4.625%
HK$128,524
+HK$6,436/mo
Deposit HK$9.78M · loan HK$22.83M · min. income ≈ HK$244,176/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$1,386,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,866
−HK$8,395/mo
▼ 0.25% · 3.875%
HK$138,030
−HK$4,231/mo
Today · 4.125%
HK$142,261
baseline
▲ 0.50% · 4.625%
HK$150,917
+HK$8,656/mo
Deposit HK$3.26M · loan HK$29.35M · min. income ≈ HK$284,522/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$1,386,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,925
−HK$8,046/mo
▼ 0.25% · 3.875%
HK$152,919
−HK$4,052/mo
Today · 4.125%
HK$156,971
baseline
▲ 0.50% · 4.625%
HK$165,245
+HK$8,274/mo
Deposit HK$3.26M · loan HK$29.35M · min. income ≈ HK$313,942/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$1,386,130 · Scale 2, in force from 26 Feb 2026)