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$77,247
−HK$4,844/mo
▼ 0.25% · 3.875%
HK$79,650
−HK$2,441/mo
Today · 4.125%
HK$82,091
baseline
▲ 0.50% · 4.625%
HK$87,086
+HK$4,995/mo
Deposit HK$16.94M · loan HK$16.94M · min. income ≈ HK$164,182/mo (50% DSR)
Upfront cash ≈ HK$18.38M (deposit + AVD stamp duty HK$1,439,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,937
−HK$4,643/mo
▼ 0.25% · 3.875%
HK$88,241
−HK$2,339/mo
Today · 4.125%
HK$90,580
baseline
▲ 0.50% · 4.625%
HK$95,354
+HK$4,774/mo
Deposit HK$16.94M · loan HK$16.94M · min. income ≈ HK$181,160/mo (50% DSR)
Upfront cash ≈ HK$18.38M (deposit + AVD stamp duty HK$1,439,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,697
−HK$5,813/mo
▼ 0.25% · 3.875%
HK$95,580
−HK$2,930/mo
Today · 4.125%
HK$98,510
baseline
▲ 0.50% · 4.625%
HK$104,504
+HK$5,994/mo
Deposit HK$13.55M · loan HK$20.33M · min. income ≈ HK$197,020/mo (50% DSR)
Upfront cash ≈ HK$14.99M (deposit + AVD stamp duty HK$1,439,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,124
−HK$5,572/mo
▼ 0.25% · 3.875%
HK$105,890
−HK$2,806/mo
Today · 4.125%
HK$108,696
baseline
▲ 0.50% · 4.625%
HK$114,425
+HK$5,729/mo
Deposit HK$13.55M · loan HK$20.33M · min. income ≈ HK$217,392/mo (50% DSR)
Upfront cash ≈ HK$14.99M (deposit + AVD stamp duty HK$1,439,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,146
−HK$6,782/mo
▼ 0.25% · 3.875%
HK$111,510
−HK$3,418/mo
Today · 4.125%
HK$114,928
baseline
▲ 0.50% · 4.625%
HK$121,921
+HK$6,993/mo
Deposit HK$10.16M · loan HK$23.71M · min. income ≈ HK$229,856/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$1,439,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,311
−HK$6,500/mo
▼ 0.25% · 3.875%
HK$123,538
−HK$3,273/mo
Today · 4.125%
HK$126,811
baseline
▲ 0.50% · 4.625%
HK$133,496
+HK$6,685/mo
Deposit HK$10.16M · loan HK$23.71M · min. income ≈ HK$253,622/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$1,439,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,045
−HK$8,719/mo
▼ 0.25% · 3.875%
HK$143,370
−HK$4,394/mo
Today · 4.125%
HK$147,764
baseline
▲ 0.50% · 4.625%
HK$156,755
+HK$8,991/mo
Deposit HK$3.39M · loan HK$30.49M · min. income ≈ HK$295,528/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$1,439,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,686
−HK$8,357/mo
▼ 0.25% · 3.875%
HK$158,835
−HK$4,208/mo
Today · 4.125%
HK$163,043
baseline
▲ 0.50% · 4.625%
HK$171,638
+HK$8,595/mo
Deposit HK$3.39M · loan HK$30.49M · min. income ≈ HK$326,086/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$1,439,753 · Scale 2, in force from 26 Feb 2026)