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$79,995
−HK$5,016/mo
▼ 0.25% · 3.875%
HK$82,483
−HK$2,528/mo
Today · 4.125%
HK$85,011
baseline
▲ 0.50% · 4.625%
HK$90,184
+HK$5,173/mo
Deposit HK$17.54M · loan HK$17.54M · min. income ≈ HK$170,022/mo (50% DSR)
Upfront cash ≈ HK$19.03M (deposit + AVD stamp duty HK$1,490,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,993
−HK$4,808/mo
▼ 0.25% · 3.875%
HK$91,380
−HK$2,421/mo
Today · 4.125%
HK$93,801
baseline
▲ 0.50% · 4.625%
HK$98,746
+HK$4,945/mo
Deposit HK$17.54M · loan HK$17.54M · min. income ≈ HK$187,602/mo (50% DSR)
Upfront cash ≈ HK$19.03M (deposit + AVD stamp duty HK$1,490,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,994
−HK$6,019/mo
▼ 0.25% · 3.875%
HK$98,980
−HK$3,033/mo
Today · 4.125%
HK$102,013
baseline
▲ 0.50% · 4.625%
HK$108,221
+HK$6,208/mo
Deposit HK$14.03M · loan HK$21.05M · min. income ≈ HK$204,026/mo (50% DSR)
Upfront cash ≈ HK$15.52M (deposit + AVD stamp duty HK$1,490,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,792
−HK$5,770/mo
▼ 0.25% · 3.875%
HK$109,656
−HK$2,906/mo
Today · 4.125%
HK$112,562
baseline
▲ 0.50% · 4.625%
HK$118,495
+HK$5,933/mo
Deposit HK$14.03M · loan HK$21.05M · min. income ≈ HK$225,124/mo (50% DSR)
Upfront cash ≈ HK$15.52M (deposit + AVD stamp duty HK$1,490,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,993
−HK$7,023/mo
▼ 0.25% · 3.875%
HK$115,476
−HK$3,540/mo
Today · 4.125%
HK$119,016
baseline
▲ 0.50% · 4.625%
HK$126,257
+HK$7,241/mo
Deposit HK$10.52M · loan HK$24.56M · min. income ≈ HK$238,032/mo (50% DSR)
Upfront cash ≈ HK$12.02M (deposit + AVD stamp duty HK$1,490,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,591
−HK$6,731/mo
▼ 0.25% · 3.875%
HK$127,932
−HK$3,390/mo
Today · 4.125%
HK$131,322
baseline
▲ 0.50% · 4.625%
HK$138,244
+HK$6,922/mo
Deposit HK$10.52M · loan HK$24.56M · min. income ≈ HK$262,644/mo (50% DSR)
Upfront cash ≈ HK$12.02M (deposit + AVD stamp duty HK$1,490,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,990
−HK$9,030/mo
▼ 0.25% · 3.875%
HK$148,469
−HK$4,551/mo
Today · 4.125%
HK$153,020
baseline
▲ 0.50% · 4.625%
HK$162,331
+HK$9,311/mo
Deposit HK$3.51M · loan HK$31.57M · min. income ≈ HK$306,040/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$1,490,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,188
−HK$8,654/mo
▼ 0.25% · 3.875%
HK$164,484
−HK$4,358/mo
Today · 4.125%
HK$168,842
baseline
▲ 0.50% · 4.625%
HK$177,742
+HK$8,900/mo
Deposit HK$3.51M · loan HK$31.57M · min. income ≈ HK$337,684/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$1,490,962 · Scale 2, in force from 26 Feb 2026)