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$77,651
−HK$4,869/mo
▼ 0.25% · 3.875%
HK$80,066
−HK$2,454/mo
Today · 4.125%
HK$82,520
baseline
▲ 0.50% · 4.625%
HK$87,541
+HK$5,021/mo
Deposit HK$17.03M · loan HK$17.03M · min. income ≈ HK$165,040/mo (50% DSR)
Upfront cash ≈ HK$18.47M (deposit + AVD stamp duty HK$1,447,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,386
−HK$4,667/mo
▼ 0.25% · 3.875%
HK$88,703
−HK$2,350/mo
Today · 4.125%
HK$91,053
baseline
▲ 0.50% · 4.625%
HK$95,852
+HK$4,799/mo
Deposit HK$17.03M · loan HK$17.03M · min. income ≈ HK$182,106/mo (50% DSR)
Upfront cash ≈ HK$18.47M (deposit + AVD stamp duty HK$1,447,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,181
−HK$5,843/mo
▼ 0.25% · 3.875%
HK$96,079
−HK$2,945/mo
Today · 4.125%
HK$99,024
baseline
▲ 0.50% · 4.625%
HK$105,050
+HK$6,026/mo
Deposit HK$13.62M · loan HK$20.43M · min. income ≈ HK$198,048/mo (50% DSR)
Upfront cash ≈ HK$15.07M (deposit + AVD stamp duty HK$1,447,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,663
−HK$5,600/mo
▼ 0.25% · 3.875%
HK$106,443
−HK$2,820/mo
Today · 4.125%
HK$109,263
baseline
▲ 0.50% · 4.625%
HK$115,023
+HK$5,760/mo
Deposit HK$13.62M · loan HK$20.43M · min. income ≈ HK$218,526/mo (50% DSR)
Upfront cash ≈ HK$15.07M (deposit + AVD stamp duty HK$1,447,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,711
−HK$6,817/mo
▼ 0.25% · 3.875%
HK$112,093
−HK$3,435/mo
Today · 4.125%
HK$115,528
baseline
▲ 0.50% · 4.625%
HK$122,558
+HK$7,030/mo
Deposit HK$10.22M · loan HK$23.84M · min. income ≈ HK$231,056/mo (50% DSR)
Upfront cash ≈ HK$11.66M (deposit + AVD stamp duty HK$1,447,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,940
−HK$6,534/mo
▼ 0.25% · 3.875%
HK$124,184
−HK$3,290/mo
Today · 4.125%
HK$127,474
baseline
▲ 0.50% · 4.625%
HK$134,193
+HK$6,719/mo
Deposit HK$10.22M · loan HK$23.84M · min. income ≈ HK$254,948/mo (50% DSR)
Upfront cash ≈ HK$11.66M (deposit + AVD stamp duty HK$1,447,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,771
−HK$8,765/mo
▼ 0.25% · 3.875%
HK$144,119
−HK$4,417/mo
Today · 4.125%
HK$148,536
baseline
▲ 0.50% · 4.625%
HK$157,574
+HK$9,038/mo
Deposit HK$3.41M · loan HK$30.65M · min. income ≈ HK$297,072/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$1,447,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,494
−HK$8,401/mo
▼ 0.25% · 3.875%
HK$159,665
−HK$4,230/mo
Today · 4.125%
HK$163,895
baseline
▲ 0.50% · 4.625%
HK$172,534
+HK$8,639/mo
Deposit HK$3.41M · loan HK$30.65M · min. income ≈ HK$327,790/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$1,447,276 · Scale 2, in force from 26 Feb 2026)