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$78,538
−HK$4,925/mo
▼ 0.25% · 3.875%
HK$80,981
−HK$2,482/mo
Today · 4.125%
HK$83,463
baseline
▲ 0.50% · 4.625%
HK$88,541
+HK$5,078/mo
Deposit HK$17.22M · loan HK$17.22M · min. income ≈ HK$166,926/mo (50% DSR)
Upfront cash ≈ HK$18.69M (deposit + AVD stamp duty HK$1,463,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,372
−HK$4,721/mo
▼ 0.25% · 3.875%
HK$89,716
−HK$2,377/mo
Today · 4.125%
HK$92,093
baseline
▲ 0.50% · 4.625%
HK$96,947
+HK$4,854/mo
Deposit HK$17.22M · loan HK$17.22M · min. income ≈ HK$184,186/mo (50% DSR)
Upfront cash ≈ HK$18.69M (deposit + AVD stamp duty HK$1,463,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,245
−HK$5,910/mo
▼ 0.25% · 3.875%
HK$97,177
−HK$2,978/mo
Today · 4.125%
HK$100,155
baseline
▲ 0.50% · 4.625%
HK$106,249
+HK$6,094/mo
Deposit HK$13.78M · loan HK$20.67M · min. income ≈ HK$200,310/mo (50% DSR)
Upfront cash ≈ HK$15.24M (deposit + AVD stamp duty HK$1,463,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,847
−HK$5,664/mo
▼ 0.25% · 3.875%
HK$107,659
−HK$2,852/mo
Today · 4.125%
HK$110,511
baseline
▲ 0.50% · 4.625%
HK$116,337
+HK$5,826/mo
Deposit HK$13.78M · loan HK$20.67M · min. income ≈ HK$221,022/mo (50% DSR)
Upfront cash ≈ HK$15.24M (deposit + AVD stamp duty HK$1,463,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,953
−HK$6,895/mo
▼ 0.25% · 3.875%
HK$113,373
−HK$3,475/mo
Today · 4.125%
HK$116,848
baseline
▲ 0.50% · 4.625%
HK$123,958
+HK$7,110/mo
Deposit HK$10.33M · loan HK$24.11M · min. income ≈ HK$233,696/mo (50% DSR)
Upfront cash ≈ HK$11.80M (deposit + AVD stamp duty HK$1,463,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,321
−HK$6,609/mo
▼ 0.25% · 3.875%
HK$125,602
−HK$3,328/mo
Today · 4.125%
HK$128,930
baseline
▲ 0.50% · 4.625%
HK$135,726
+HK$6,796/mo
Deposit HK$10.33M · loan HK$24.11M · min. income ≈ HK$257,860/mo (50% DSR)
Upfront cash ≈ HK$11.80M (deposit + AVD stamp duty HK$1,463,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,368
−HK$8,865/mo
▼ 0.25% · 3.875%
HK$145,765
−HK$4,468/mo
Today · 4.125%
HK$150,233
baseline
▲ 0.50% · 4.625%
HK$159,374
+HK$9,141/mo
Deposit HK$3.44M · loan HK$31.00M · min. income ≈ HK$300,466/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$1,463,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,270
−HK$8,497/mo
▼ 0.25% · 3.875%
HK$161,488
−HK$4,279/mo
Today · 4.125%
HK$165,767
baseline
▲ 0.50% · 4.625%
HK$174,505
+HK$8,738/mo
Deposit HK$3.44M · loan HK$31.00M · min. income ≈ HK$331,534/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$1,463,806 · Scale 2, in force from 26 Feb 2026)