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$79,364
−HK$4,977/mo
▼ 0.25% · 3.875%
HK$81,833
−HK$2,508/mo
Today · 4.125%
HK$84,341
baseline
▲ 0.50% · 4.625%
HK$89,473
+HK$5,132/mo
Deposit HK$17.40M · loan HK$17.40M · min. income ≈ HK$168,682/mo (50% DSR)
Upfront cash ≈ HK$18.88M (deposit + AVD stamp duty HK$1,479,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,292
−HK$4,770/mo
▼ 0.25% · 3.875%
HK$90,660
−HK$2,402/mo
Today · 4.125%
HK$93,062
baseline
▲ 0.50% · 4.625%
HK$97,967
+HK$4,905/mo
Deposit HK$17.40M · loan HK$17.40M · min. income ≈ HK$186,124/mo (50% DSR)
Upfront cash ≈ HK$18.88M (deposit + AVD stamp duty HK$1,479,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,237
−HK$5,972/mo
▼ 0.25% · 3.875%
HK$98,199
−HK$3,010/mo
Today · 4.125%
HK$101,209
baseline
▲ 0.50% · 4.625%
HK$107,367
+HK$6,158/mo
Deposit HK$13.92M · loan HK$20.88M · min. income ≈ HK$202,418/mo (50% DSR)
Upfront cash ≈ HK$15.40M (deposit + AVD stamp duty HK$1,479,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,950
−HK$5,724/mo
▼ 0.25% · 3.875%
HK$108,792
−HK$2,882/mo
Today · 4.125%
HK$111,674
baseline
▲ 0.50% · 4.625%
HK$117,561
+HK$5,887/mo
Deposit HK$13.92M · loan HK$20.88M · min. income ≈ HK$223,348/mo (50% DSR)
Upfront cash ≈ HK$15.40M (deposit + AVD stamp duty HK$1,479,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,110
−HK$6,967/mo
▼ 0.25% · 3.875%
HK$114,566
−HK$3,511/mo
Today · 4.125%
HK$118,077
baseline
▲ 0.50% · 4.625%
HK$125,262
+HK$7,185/mo
Deposit HK$10.44M · loan HK$24.36M · min. income ≈ HK$236,154/mo (50% DSR)
Upfront cash ≈ HK$11.92M (deposit + AVD stamp duty HK$1,479,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,608
−HK$6,678/mo
▼ 0.25% · 3.875%
HK$126,923
−HK$3,363/mo
Today · 4.125%
HK$130,286
baseline
▲ 0.50% · 4.625%
HK$137,154
+HK$6,868/mo
Deposit HK$10.44M · loan HK$24.36M · min. income ≈ HK$260,572/mo (50% DSR)
Upfront cash ≈ HK$11.92M (deposit + AVD stamp duty HK$1,479,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,855
−HK$8,958/mo
▼ 0.25% · 3.875%
HK$147,299
−HK$4,514/mo
Today · 4.125%
HK$151,813
baseline
▲ 0.50% · 4.625%
HK$161,051
+HK$9,238/mo
Deposit HK$3.48M · loan HK$31.32M · min. income ≈ HK$303,626/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$1,479,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,925
−HK$8,586/mo
▼ 0.25% · 3.875%
HK$163,187
−HK$4,324/mo
Today · 4.125%
HK$167,511
baseline
▲ 0.50% · 4.625%
HK$176,341
+HK$8,830/mo
Deposit HK$3.48M · loan HK$31.32M · min. income ≈ HK$335,022/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$1,479,207 · Scale 2, in force from 26 Feb 2026)