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$78,630
−HK$4,930/mo
▼ 0.25% · 3.875%
HK$81,076
−HK$2,484/mo
Today · 4.125%
HK$83,560
baseline
▲ 0.50% · 4.625%
HK$88,645
+HK$5,085/mo
Deposit HK$17.24M · loan HK$17.24M · min. income ≈ HK$167,120/mo (50% DSR)
Upfront cash ≈ HK$18.71M (deposit + AVD stamp duty HK$1,465,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,475
−HK$4,726/mo
▼ 0.25% · 3.875%
HK$89,821
−HK$2,380/mo
Today · 4.125%
HK$92,201
baseline
▲ 0.50% · 4.625%
HK$97,061
+HK$4,860/mo
Deposit HK$17.24M · loan HK$17.24M · min. income ≈ HK$184,402/mo (50% DSR)
Upfront cash ≈ HK$18.71M (deposit + AVD stamp duty HK$1,465,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,356
−HK$5,917/mo
▼ 0.25% · 3.875%
HK$97,291
−HK$2,982/mo
Today · 4.125%
HK$100,273
baseline
▲ 0.50% · 4.625%
HK$106,374
+HK$6,101/mo
Deposit HK$13.79M · loan HK$20.69M · min. income ≈ HK$200,546/mo (50% DSR)
Upfront cash ≈ HK$15.26M (deposit + AVD stamp duty HK$1,465,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,970
−HK$5,671/mo
▼ 0.25% · 3.875%
HK$107,785
−HK$2,856/mo
Today · 4.125%
HK$110,641
baseline
▲ 0.50% · 4.625%
HK$116,473
+HK$5,832/mo
Deposit HK$13.79M · loan HK$20.69M · min. income ≈ HK$221,282/mo (50% DSR)
Upfront cash ≈ HK$15.26M (deposit + AVD stamp duty HK$1,465,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,082
−HK$6,903/mo
▼ 0.25% · 3.875%
HK$113,506
−HK$3,479/mo
Today · 4.125%
HK$116,985
baseline
▲ 0.50% · 4.625%
HK$124,103
+HK$7,118/mo
Deposit HK$10.34M · loan HK$24.14M · min. income ≈ HK$233,970/mo (50% DSR)
Upfront cash ≈ HK$11.81M (deposit + AVD stamp duty HK$1,465,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,465
−HK$6,616/mo
▼ 0.25% · 3.875%
HK$125,749
−HK$3,332/mo
Today · 4.125%
HK$129,081
baseline
▲ 0.50% · 4.625%
HK$135,885
+HK$6,804/mo
Deposit HK$10.34M · loan HK$24.14M · min. income ≈ HK$258,162/mo (50% DSR)
Upfront cash ≈ HK$11.81M (deposit + AVD stamp duty HK$1,465,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,533
−HK$8,876/mo
▼ 0.25% · 3.875%
HK$145,936
−HK$4,473/mo
Today · 4.125%
HK$150,409
baseline
▲ 0.50% · 4.625%
HK$159,561
+HK$9,152/mo
Deposit HK$3.45M · loan HK$31.03M · min. income ≈ HK$300,818/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$1,465,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,455
−HK$8,506/mo
▼ 0.25% · 3.875%
HK$161,677
−HK$4,284/mo
Today · 4.125%
HK$165,961
baseline
▲ 0.50% · 4.625%
HK$174,709
+HK$8,748/mo
Deposit HK$3.45M · loan HK$31.03M · min. income ≈ HK$331,922/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$1,465,520 · Scale 2, in force from 26 Feb 2026)