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$76,583
−HK$4,803/mo
▼ 0.25% · 3.875%
HK$78,965
−HK$2,421/mo
Today · 4.125%
HK$81,386
baseline
▲ 0.50% · 4.625%
HK$86,338
+HK$4,952/mo
Deposit HK$16.79M · loan HK$16.79M · min. income ≈ HK$162,772/mo (50% DSR)
Upfront cash ≈ HK$18.22M (deposit + AVD stamp duty HK$1,427,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,198
−HK$4,603/mo
▼ 0.25% · 3.875%
HK$87,483
−HK$2,318/mo
Today · 4.125%
HK$89,801
baseline
▲ 0.50% · 4.625%
HK$94,535
+HK$4,734/mo
Deposit HK$16.79M · loan HK$16.79M · min. income ≈ HK$179,602/mo (50% DSR)
Upfront cash ≈ HK$18.22M (deposit + AVD stamp duty HK$1,427,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,900
−HK$5,763/mo
▼ 0.25% · 3.875%
HK$94,758
−HK$2,905/mo
Today · 4.125%
HK$97,663
baseline
▲ 0.50% · 4.625%
HK$103,605
+HK$5,942/mo
Deposit HK$13.43M · loan HK$20.15M · min. income ≈ HK$195,326/mo (50% DSR)
Upfront cash ≈ HK$14.86M (deposit + AVD stamp duty HK$1,427,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,238
−HK$5,523/mo
▼ 0.25% · 3.875%
HK$104,980
−HK$2,781/mo
Today · 4.125%
HK$107,761
baseline
▲ 0.50% · 4.625%
HK$113,441
+HK$5,680/mo
Deposit HK$13.43M · loan HK$20.15M · min. income ≈ HK$215,522/mo (50% DSR)
Upfront cash ≈ HK$14.86M (deposit + AVD stamp duty HK$1,427,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,216
−HK$6,724/mo
▼ 0.25% · 3.875%
HK$110,552
−HK$3,388/mo
Today · 4.125%
HK$113,940
baseline
▲ 0.50% · 4.625%
HK$120,873
+HK$6,933/mo
Deposit HK$10.08M · loan HK$23.51M · min. income ≈ HK$227,880/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$1,427,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,277
−HK$6,444/mo
▼ 0.25% · 3.875%
HK$122,476
−HK$3,245/mo
Today · 4.125%
HK$125,721
baseline
▲ 0.50% · 4.625%
HK$132,348
+HK$6,627/mo
Deposit HK$10.08M · loan HK$23.51M · min. income ≈ HK$251,442/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$1,427,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,850
−HK$8,644/mo
▼ 0.25% · 3.875%
HK$142,138
−HK$4,356/mo
Today · 4.125%
HK$146,494
baseline
▲ 0.50% · 4.625%
HK$155,408
+HK$8,914/mo
Deposit HK$3.36M · loan HK$30.23M · min. income ≈ HK$292,988/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$1,427,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,356
−HK$8,286/mo
▼ 0.25% · 3.875%
HK$157,469
−HK$4,173/mo
Today · 4.125%
HK$161,642
baseline
▲ 0.50% · 4.625%
HK$170,162
+HK$8,520/mo
Deposit HK$3.36M · loan HK$30.23M · min. income ≈ HK$323,284/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$1,427,378 · Scale 2, in force from 26 Feb 2026)