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$75,200
−HK$4,715/mo
▼ 0.25% · 3.875%
HK$77,539
−HK$2,376/mo
Today · 4.125%
HK$79,915
baseline
▲ 0.50% · 4.625%
HK$84,778
+HK$4,863/mo
Deposit HK$16.49M · loan HK$16.49M · min. income ≈ HK$159,830/mo (50% DSR)
Upfront cash ≈ HK$17.89M (deposit + AVD stamp duty HK$1,401,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,659
−HK$4,520/mo
▼ 0.25% · 3.875%
HK$85,903
−HK$2,276/mo
Today · 4.125%
HK$88,179
baseline
▲ 0.50% · 4.625%
HK$92,827
+HK$4,648/mo
Deposit HK$16.49M · loan HK$16.49M · min. income ≈ HK$176,358/mo (50% DSR)
Upfront cash ≈ HK$17.89M (deposit + AVD stamp duty HK$1,401,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,240
−HK$5,659/mo
▼ 0.25% · 3.875%
HK$93,047
−HK$2,852/mo
Today · 4.125%
HK$95,899
baseline
▲ 0.50% · 4.625%
HK$101,734
+HK$5,835/mo
Deposit HK$13.19M · loan HK$19.79M · min. income ≈ HK$191,798/mo (50% DSR)
Upfront cash ≈ HK$14.59M (deposit + AVD stamp duty HK$1,401,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,391
−HK$5,424/mo
▼ 0.25% · 3.875%
HK$103,083
−HK$2,732/mo
Today · 4.125%
HK$105,815
baseline
▲ 0.50% · 4.625%
HK$111,392
+HK$5,577/mo
Deposit HK$13.19M · loan HK$19.79M · min. income ≈ HK$211,630/mo (50% DSR)
Upfront cash ≈ HK$14.59M (deposit + AVD stamp duty HK$1,401,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,280
−HK$6,602/mo
▼ 0.25% · 3.875%
HK$108,555
−HK$3,327/mo
Today · 4.125%
HK$111,882
baseline
▲ 0.50% · 4.625%
HK$118,689
+HK$6,807/mo
Deposit HK$9.89M · loan HK$23.09M · min. income ≈ HK$223,764/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$1,401,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,123
−HK$6,327/mo
▼ 0.25% · 3.875%
HK$120,264
−HK$3,186/mo
Today · 4.125%
HK$123,450
baseline
▲ 0.50% · 4.625%
HK$129,958
+HK$6,508/mo
Deposit HK$9.89M · loan HK$23.09M · min. income ≈ HK$246,900/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$1,401,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,360
−HK$8,488/mo
▼ 0.25% · 3.875%
HK$139,570
−HK$4,278/mo
Today · 4.125%
HK$143,848
baseline
▲ 0.50% · 4.625%
HK$152,601
+HK$8,753/mo
Deposit HK$3.30M · loan HK$29.68M · min. income ≈ HK$287,696/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$1,401,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,586
−HK$8,136/mo
▼ 0.25% · 3.875%
HK$154,625
−HK$4,097/mo
Today · 4.125%
HK$158,722
baseline
▲ 0.50% · 4.625%
HK$167,088
+HK$8,366/mo
Deposit HK$3.30M · loan HK$29.68M · min. income ≈ HK$317,444/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$1,401,594 · Scale 2, in force from 26 Feb 2026)