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$78,343
−HK$4,913/mo
▼ 0.25% · 3.875%
HK$80,780
−HK$2,476/mo
Today · 4.125%
HK$83,256
baseline
▲ 0.50% · 4.625%
HK$88,322
+HK$5,066/mo
Deposit HK$17.18M · loan HK$17.18M · min. income ≈ HK$166,512/mo (50% DSR)
Upfront cash ≈ HK$18.64M (deposit + AVD stamp duty HK$1,460,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,156
−HK$4,709/mo
▼ 0.25% · 3.875%
HK$89,494
−HK$2,371/mo
Today · 4.125%
HK$91,865
baseline
▲ 0.50% · 4.625%
HK$96,707
+HK$4,842/mo
Deposit HK$17.18M · loan HK$17.18M · min. income ≈ HK$183,730/mo (50% DSR)
Upfront cash ≈ HK$18.64M (deposit + AVD stamp duty HK$1,460,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,012
−HK$5,895/mo
▼ 0.25% · 3.875%
HK$96,936
−HK$2,971/mo
Today · 4.125%
HK$99,907
baseline
▲ 0.50% · 4.625%
HK$105,987
+HK$6,080/mo
Deposit HK$13.74M · loan HK$20.61M · min. income ≈ HK$199,814/mo (50% DSR)
Upfront cash ≈ HK$15.20M (deposit + AVD stamp duty HK$1,460,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,587
−HK$5,651/mo
▼ 0.25% · 3.875%
HK$107,392
−HK$2,846/mo
Today · 4.125%
HK$110,238
baseline
▲ 0.50% · 4.625%
HK$116,049
+HK$5,811/mo
Deposit HK$13.74M · loan HK$20.61M · min. income ≈ HK$220,476/mo (50% DSR)
Upfront cash ≈ HK$15.20M (deposit + AVD stamp duty HK$1,460,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,681
−HK$6,878/mo
▼ 0.25% · 3.875%
HK$113,092
−HK$3,467/mo
Today · 4.125%
HK$116,559
baseline
▲ 0.50% · 4.625%
HK$123,651
+HK$7,092/mo
Deposit HK$10.31M · loan HK$24.05M · min. income ≈ HK$233,118/mo (50% DSR)
Upfront cash ≈ HK$11.77M (deposit + AVD stamp duty HK$1,460,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,019
−HK$6,592/mo
▼ 0.25% · 3.875%
HK$125,291
−HK$3,320/mo
Today · 4.125%
HK$128,611
baseline
▲ 0.50% · 4.625%
HK$135,390
+HK$6,779/mo
Deposit HK$10.31M · loan HK$24.05M · min. income ≈ HK$257,222/mo (50% DSR)
Upfront cash ≈ HK$11.77M (deposit + AVD stamp duty HK$1,460,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,018
−HK$8,843/mo
▼ 0.25% · 3.875%
HK$145,404
−HK$4,457/mo
Today · 4.125%
HK$149,861
baseline
▲ 0.50% · 4.625%
HK$158,980
+HK$9,119/mo
Deposit HK$3.44M · loan HK$30.92M · min. income ≈ HK$299,722/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$1,460,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,881
−HK$8,476/mo
▼ 0.25% · 3.875%
HK$161,089
−HK$4,268/mo
Today · 4.125%
HK$165,357
baseline
▲ 0.50% · 4.625%
HK$174,073
+HK$8,716/mo
Deposit HK$3.44M · loan HK$30.92M · min. income ≈ HK$330,714/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$1,460,184 · Scale 2, in force from 26 Feb 2026)