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$80,870
−HK$5,072/mo
▼ 0.25% · 3.875%
HK$83,386
−HK$2,556/mo
Today · 4.125%
HK$85,942
baseline
▲ 0.50% · 4.625%
HK$91,171
+HK$5,229/mo
Deposit HK$17.73M · loan HK$17.73M · min. income ≈ HK$171,884/mo (50% DSR)
Upfront cash ≈ HK$19.24M (deposit + AVD stamp duty HK$1,507,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,968
−HK$4,860/mo
▼ 0.25% · 3.875%
HK$92,380
−HK$2,448/mo
Today · 4.125%
HK$94,828
baseline
▲ 0.50% · 4.625%
HK$99,827
+HK$4,999/mo
Deposit HK$17.73M · loan HK$17.73M · min. income ≈ HK$189,656/mo (50% DSR)
Upfront cash ≈ HK$19.24M (deposit + AVD stamp duty HK$1,507,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,045
−HK$6,085/mo
▼ 0.25% · 3.875%
HK$100,063
−HK$3,067/mo
Today · 4.125%
HK$103,130
baseline
▲ 0.50% · 4.625%
HK$109,405
+HK$6,275/mo
Deposit HK$14.19M · loan HK$21.28M · min. income ≈ HK$206,260/mo (50% DSR)
Upfront cash ≈ HK$15.69M (deposit + AVD stamp duty HK$1,507,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,961
−HK$5,833/mo
▼ 0.25% · 3.875%
HK$110,857
−HK$2,937/mo
Today · 4.125%
HK$113,794
baseline
▲ 0.50% · 4.625%
HK$119,792
+HK$5,998/mo
Deposit HK$14.19M · loan HK$21.28M · min. income ≈ HK$227,588/mo (50% DSR)
Upfront cash ≈ HK$15.69M (deposit + AVD stamp duty HK$1,507,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,219
−HK$7,099/mo
▼ 0.25% · 3.875%
HK$116,740
−HK$3,578/mo
Today · 4.125%
HK$120,318
baseline
▲ 0.50% · 4.625%
HK$127,640
+HK$7,322/mo
Deposit HK$10.64M · loan HK$24.83M · min. income ≈ HK$240,636/mo (50% DSR)
Upfront cash ≈ HK$12.15M (deposit + AVD stamp duty HK$1,507,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,955
−HK$6,805/mo
▼ 0.25% · 3.875%
HK$129,333
−HK$3,427/mo
Today · 4.125%
HK$132,760
baseline
▲ 0.50% · 4.625%
HK$139,757
+HK$6,997/mo
Deposit HK$10.64M · loan HK$24.83M · min. income ≈ HK$265,520/mo (50% DSR)
Upfront cash ≈ HK$12.15M (deposit + AVD stamp duty HK$1,507,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,567
−HK$9,128/mo
▼ 0.25% · 3.875%
HK$150,095
−HK$4,600/mo
Today · 4.125%
HK$154,695
baseline
▲ 0.50% · 4.625%
HK$164,108
+HK$9,413/mo
Deposit HK$3.55M · loan HK$31.92M · min. income ≈ HK$309,390/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$1,507,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,942
−HK$8,749/mo
▼ 0.25% · 3.875%
HK$166,285
−HK$4,406/mo
Today · 4.125%
HK$170,691
baseline
▲ 0.50% · 4.625%
HK$179,688
+HK$8,997/mo
Deposit HK$3.55M · loan HK$31.92M · min. income ≈ HK$341,382/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$1,507,285 · Scale 2, in force from 26 Feb 2026)