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$80,604
−HK$5,055/mo
▼ 0.25% · 3.875%
HK$83,112
−HK$2,547/mo
Today · 4.125%
HK$85,659
baseline
▲ 0.50% · 4.625%
HK$90,871
+HK$5,212/mo
Deposit HK$17.67M · loan HK$17.67M · min. income ≈ HK$171,318/mo (50% DSR)
Upfront cash ≈ HK$19.18M (deposit + AVD stamp duty HK$1,502,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,672
−HK$4,844/mo
▼ 0.25% · 3.875%
HK$92,077
−HK$2,439/mo
Today · 4.125%
HK$94,516
baseline
▲ 0.50% · 4.625%
HK$99,498
+HK$4,982/mo
Deposit HK$17.67M · loan HK$17.67M · min. income ≈ HK$189,032/mo (50% DSR)
Upfront cash ≈ HK$19.18M (deposit + AVD stamp duty HK$1,502,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,725
−HK$6,066/mo
▼ 0.25% · 3.875%
HK$99,734
−HK$3,057/mo
Today · 4.125%
HK$102,791
baseline
▲ 0.50% · 4.625%
HK$109,045
+HK$6,254/mo
Deposit HK$14.14M · loan HK$21.21M · min. income ≈ HK$205,582/mo (50% DSR)
Upfront cash ≈ HK$15.64M (deposit + AVD stamp duty HK$1,502,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,606
−HK$5,814/mo
▼ 0.25% · 3.875%
HK$110,492
−HK$2,928/mo
Today · 4.125%
HK$113,420
baseline
▲ 0.50% · 4.625%
HK$119,398
+HK$5,978/mo
Deposit HK$14.14M · loan HK$21.21M · min. income ≈ HK$226,840/mo (50% DSR)
Upfront cash ≈ HK$15.64M (deposit + AVD stamp duty HK$1,502,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,846
−HK$7,077/mo
▼ 0.25% · 3.875%
HK$116,356
−HK$3,567/mo
Today · 4.125%
HK$119,923
baseline
▲ 0.50% · 4.625%
HK$127,220
+HK$7,297/mo
Deposit HK$10.60M · loan HK$24.74M · min. income ≈ HK$239,846/mo (50% DSR)
Upfront cash ≈ HK$12.11M (deposit + AVD stamp duty HK$1,502,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,540
−HK$6,783/mo
▼ 0.25% · 3.875%
HK$128,907
−HK$3,416/mo
Today · 4.125%
HK$132,323
baseline
▲ 0.50% · 4.625%
HK$139,298
+HK$6,975/mo
Deposit HK$10.60M · loan HK$24.74M · min. income ≈ HK$264,646/mo (50% DSR)
Upfront cash ≈ HK$12.11M (deposit + AVD stamp duty HK$1,502,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,088
−HK$9,098/mo
▼ 0.25% · 3.875%
HK$149,601
−HK$4,585/mo
Today · 4.125%
HK$154,186
baseline
▲ 0.50% · 4.625%
HK$163,568
+HK$9,382/mo
Deposit HK$3.53M · loan HK$31.81M · min. income ≈ HK$308,372/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$1,502,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,409
−HK$8,720/mo
▼ 0.25% · 3.875%
HK$165,738
−HK$4,391/mo
Today · 4.125%
HK$170,129
baseline
▲ 0.50% · 4.625%
HK$179,097
+HK$8,968/mo
Deposit HK$3.53M · loan HK$31.81M · min. income ≈ HK$340,258/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$1,502,327 · Scale 2, in force from 26 Feb 2026)