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$76,741
−HK$4,812/mo
▼ 0.25% · 3.875%
HK$79,128
−HK$2,425/mo
Today · 4.125%
HK$81,553
baseline
▲ 0.50% · 4.625%
HK$86,516
+HK$4,963/mo
Deposit HK$16.83M · loan HK$16.83M · min. income ≈ HK$163,106/mo (50% DSR)
Upfront cash ≈ HK$18.26M (deposit + AVD stamp duty HK$1,430,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,374
−HK$4,612/mo
▼ 0.25% · 3.875%
HK$87,663
−HK$2,323/mo
Today · 4.125%
HK$89,986
baseline
▲ 0.50% · 4.625%
HK$94,729
+HK$4,743/mo
Deposit HK$16.83M · loan HK$16.83M · min. income ≈ HK$179,972/mo (50% DSR)
Upfront cash ≈ HK$18.26M (deposit + AVD stamp duty HK$1,430,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,089
−HK$5,775/mo
▼ 0.25% · 3.875%
HK$94,954
−HK$2,910/mo
Today · 4.125%
HK$97,864
baseline
▲ 0.50% · 4.625%
HK$103,819
+HK$5,955/mo
Deposit HK$13.46M · loan HK$20.19M · min. income ≈ HK$195,728/mo (50% DSR)
Upfront cash ≈ HK$14.89M (deposit + AVD stamp duty HK$1,430,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,448
−HK$5,535/mo
▼ 0.25% · 3.875%
HK$105,196
−HK$2,787/mo
Today · 4.125%
HK$107,983
baseline
▲ 0.50% · 4.625%
HK$113,675
+HK$5,692/mo
Deposit HK$13.46M · loan HK$20.19M · min. income ≈ HK$215,966/mo (50% DSR)
Upfront cash ≈ HK$14.89M (deposit + AVD stamp duty HK$1,430,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,437
−HK$6,738/mo
▼ 0.25% · 3.875%
HK$110,779
−HK$3,396/mo
Today · 4.125%
HK$114,175
baseline
▲ 0.50% · 4.625%
HK$121,122
+HK$6,947/mo
Deposit HK$10.10M · loan HK$23.56M · min. income ≈ HK$228,350/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$1,430,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,523
−HK$6,457/mo
▼ 0.25% · 3.875%
HK$122,729
−HK$3,251/mo
Today · 4.125%
HK$125,980
baseline
▲ 0.50% · 4.625%
HK$132,621
+HK$6,641/mo
Deposit HK$10.10M · loan HK$23.56M · min. income ≈ HK$251,960/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$1,430,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,134
−HK$8,662/mo
▼ 0.25% · 3.875%
HK$142,431
−HK$4,365/mo
Today · 4.125%
HK$146,796
baseline
▲ 0.50% · 4.625%
HK$155,728
+HK$8,932/mo
Deposit HK$3.37M · loan HK$30.29M · min. income ≈ HK$293,592/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$1,430,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,672
−HK$8,303/mo
▼ 0.25% · 3.875%
HK$157,794
−HK$4,181/mo
Today · 4.125%
HK$161,975
baseline
▲ 0.50% · 4.625%
HK$170,513
+HK$8,538/mo
Deposit HK$3.37M · loan HK$30.29M · min. income ≈ HK$323,950/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$1,430,319 · Scale 2, in force from 26 Feb 2026)