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$80,447
−HK$5,044/mo
▼ 0.25% · 3.875%
HK$82,949
−HK$2,542/mo
Today · 4.125%
HK$85,491
baseline
▲ 0.50% · 4.625%
HK$90,693
+HK$5,202/mo
Deposit HK$17.64M · loan HK$17.64M · min. income ≈ HK$170,982/mo (50% DSR)
Upfront cash ≈ HK$19.14M (deposit + AVD stamp duty HK$1,499,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,496
−HK$4,835/mo
▼ 0.25% · 3.875%
HK$91,896
−HK$2,435/mo
Today · 4.125%
HK$94,331
baseline
▲ 0.50% · 4.625%
HK$99,304
+HK$4,973/mo
Deposit HK$17.64M · loan HK$17.64M · min. income ≈ HK$188,662/mo (50% DSR)
Upfront cash ≈ HK$19.14M (deposit + AVD stamp duty HK$1,499,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,536
−HK$6,054/mo
▼ 0.25% · 3.875%
HK$99,539
−HK$3,051/mo
Today · 4.125%
HK$102,590
baseline
▲ 0.50% · 4.625%
HK$108,832
+HK$6,242/mo
Deposit HK$14.11M · loan HK$21.17M · min. income ≈ HK$205,180/mo (50% DSR)
Upfront cash ≈ HK$15.61M (deposit + AVD stamp duty HK$1,499,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,395
−HK$5,803/mo
▼ 0.25% · 3.875%
HK$110,276
−HK$2,922/mo
Today · 4.125%
HK$113,198
baseline
▲ 0.50% · 4.625%
HK$119,164
+HK$5,966/mo
Deposit HK$14.11M · loan HK$21.17M · min. income ≈ HK$226,396/mo (50% DSR)
Upfront cash ≈ HK$15.61M (deposit + AVD stamp duty HK$1,499,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,625
−HK$7,063/mo
▼ 0.25% · 3.875%
HK$116,129
−HK$3,559/mo
Today · 4.125%
HK$119,688
baseline
▲ 0.50% · 4.625%
HK$126,971
+HK$7,283/mo
Deposit HK$10.58M · loan HK$24.70M · min. income ≈ HK$239,376/mo (50% DSR)
Upfront cash ≈ HK$12.08M (deposit + AVD stamp duty HK$1,499,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,295
−HK$6,769/mo
▼ 0.25% · 3.875%
HK$128,655
−HK$3,409/mo
Today · 4.125%
HK$132,064
baseline
▲ 0.50% · 4.625%
HK$139,025
+HK$6,961/mo
Deposit HK$10.58M · loan HK$24.70M · min. income ≈ HK$264,128/mo (50% DSR)
Upfront cash ≈ HK$12.08M (deposit + AVD stamp duty HK$1,499,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,804
−HK$9,081/mo
▼ 0.25% · 3.875%
HK$149,308
−HK$4,577/mo
Today · 4.125%
HK$153,885
baseline
▲ 0.50% · 4.625%
HK$163,248
+HK$9,363/mo
Deposit HK$3.53M · loan HK$31.75M · min. income ≈ HK$307,770/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$1,499,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,093
−HK$8,704/mo
▼ 0.25% · 3.875%
HK$165,414
−HK$4,383/mo
Today · 4.125%
HK$169,797
baseline
▲ 0.50% · 4.625%
HK$178,747
+HK$8,950/mo
Deposit HK$3.53M · loan HK$31.75M · min. income ≈ HK$339,594/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$1,499,388 · Scale 2, in force from 26 Feb 2026)