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$77,685
−HK$4,871/mo
▼ 0.25% · 3.875%
HK$80,101
−HK$2,455/mo
Today · 4.125%
HK$82,556
baseline
▲ 0.50% · 4.625%
HK$87,580
+HK$5,024/mo
Deposit HK$17.03M · loan HK$17.03M · min. income ≈ HK$165,112/mo (50% DSR)
Upfront cash ≈ HK$18.48M (deposit + AVD stamp duty HK$1,447,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,423
−HK$4,670/mo
▼ 0.25% · 3.875%
HK$88,741
−HK$2,352/mo
Today · 4.125%
HK$91,093
baseline
▲ 0.50% · 4.625%
HK$95,894
+HK$4,801/mo
Deposit HK$17.03M · loan HK$17.03M · min. income ≈ HK$182,186/mo (50% DSR)
Upfront cash ≈ HK$18.48M (deposit + AVD stamp duty HK$1,447,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,222
−HK$5,845/mo
▼ 0.25% · 3.875%
HK$96,121
−HK$2,946/mo
Today · 4.125%
HK$99,067
baseline
▲ 0.50% · 4.625%
HK$105,096
+HK$6,029/mo
Deposit HK$13.63M · loan HK$20.44M · min. income ≈ HK$198,134/mo (50% DSR)
Upfront cash ≈ HK$15.08M (deposit + AVD stamp duty HK$1,447,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,708
−HK$5,603/mo
▼ 0.25% · 3.875%
HK$106,490
−HK$2,821/mo
Today · 4.125%
HK$109,311
baseline
▲ 0.50% · 4.625%
HK$115,073
+HK$5,762/mo
Deposit HK$13.63M · loan HK$20.44M · min. income ≈ HK$218,622/mo (50% DSR)
Upfront cash ≈ HK$15.08M (deposit + AVD stamp duty HK$1,447,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,759
−HK$6,820/mo
▼ 0.25% · 3.875%
HK$112,142
−HK$3,437/mo
Today · 4.125%
HK$115,579
baseline
▲ 0.50% · 4.625%
HK$122,611
+HK$7,032/mo
Deposit HK$10.22M · loan HK$23.85M · min. income ≈ HK$231,158/mo (50% DSR)
Upfront cash ≈ HK$11.67M (deposit + AVD stamp duty HK$1,447,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,993
−HK$6,537/mo
▼ 0.25% · 3.875%
HK$124,238
−HK$3,292/mo
Today · 4.125%
HK$127,530
baseline
▲ 0.50% · 4.625%
HK$134,252
+HK$6,722/mo
Deposit HK$10.22M · loan HK$23.85M · min. income ≈ HK$255,060/mo (50% DSR)
Upfront cash ≈ HK$11.67M (deposit + AVD stamp duty HK$1,447,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,833
−HK$8,768/mo
▼ 0.25% · 3.875%
HK$144,182
−HK$4,419/mo
Today · 4.125%
HK$148,601
baseline
▲ 0.50% · 4.625%
HK$157,643
+HK$9,042/mo
Deposit HK$3.41M · loan HK$30.66M · min. income ≈ HK$297,202/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$1,447,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,562
−HK$8,405/mo
▼ 0.25% · 3.875%
HK$159,734
−HK$4,233/mo
Today · 4.125%
HK$163,967
baseline
▲ 0.50% · 4.625%
HK$172,610
+HK$8,643/mo
Deposit HK$3.41M · loan HK$30.66M · min. income ≈ HK$327,934/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$1,447,908 · Scale 2, in force from 26 Feb 2026)