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$79,172
−HK$4,965/mo
▼ 0.25% · 3.875%
HK$81,635
−HK$2,502/mo
Today · 4.125%
HK$84,137
baseline
▲ 0.50% · 4.625%
HK$89,256
+HK$5,119/mo
Deposit HK$17.36M · loan HK$17.36M · min. income ≈ HK$168,274/mo (50% DSR)
Upfront cash ≈ HK$18.84M (deposit + AVD stamp duty HK$1,475,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,078
−HK$4,759/mo
▼ 0.25% · 3.875%
HK$90,440
−HK$2,397/mo
Today · 4.125%
HK$92,837
baseline
▲ 0.50% · 4.625%
HK$97,730
+HK$4,893/mo
Deposit HK$17.36M · loan HK$17.36M · min. income ≈ HK$185,674/mo (50% DSR)
Upfront cash ≈ HK$18.84M (deposit + AVD stamp duty HK$1,475,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,006
−HK$5,958/mo
▼ 0.25% · 3.875%
HK$97,962
−HK$3,002/mo
Today · 4.125%
HK$100,964
baseline
▲ 0.50% · 4.625%
HK$107,108
+HK$6,144/mo
Deposit HK$13.89M · loan HK$20.83M · min. income ≈ HK$201,928/mo (50% DSR)
Upfront cash ≈ HK$15.36M (deposit + AVD stamp duty HK$1,475,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,694
−HK$5,710/mo
▼ 0.25% · 3.875%
HK$108,528
−HK$2,876/mo
Today · 4.125%
HK$111,404
baseline
▲ 0.50% · 4.625%
HK$117,276
+HK$5,872/mo
Deposit HK$13.89M · loan HK$20.83M · min. income ≈ HK$222,808/mo (50% DSR)
Upfront cash ≈ HK$15.36M (deposit + AVD stamp duty HK$1,475,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,841
−HK$6,951/mo
▼ 0.25% · 3.875%
HK$114,289
−HK$3,503/mo
Today · 4.125%
HK$117,792
baseline
▲ 0.50% · 4.625%
HK$124,959
+HK$7,167/mo
Deposit HK$10.42M · loan HK$24.30M · min. income ≈ HK$235,584/mo (50% DSR)
Upfront cash ≈ HK$11.89M (deposit + AVD stamp duty HK$1,475,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,309
−HK$6,662/mo
▼ 0.25% · 3.875%
HK$126,616
−HK$3,355/mo
Today · 4.125%
HK$129,971
baseline
▲ 0.50% · 4.625%
HK$136,822
+HK$6,851/mo
Deposit HK$10.42M · loan HK$24.30M · min. income ≈ HK$259,942/mo (50% DSR)
Upfront cash ≈ HK$11.89M (deposit + AVD stamp duty HK$1,475,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,510
−HK$8,936/mo
▼ 0.25% · 3.875%
HK$146,943
−HK$4,503/mo
Today · 4.125%
HK$151,446
baseline
▲ 0.50% · 4.625%
HK$160,662
+HK$9,216/mo
Deposit HK$3.47M · loan HK$31.25M · min. income ≈ HK$302,892/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$1,475,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,541
−HK$8,565/mo
▼ 0.25% · 3.875%
HK$162,793
−HK$4,313/mo
Today · 4.125%
HK$167,106
baseline
▲ 0.50% · 4.625%
HK$175,915
+HK$8,809/mo
Deposit HK$3.47M · loan HK$31.25M · min. income ≈ HK$334,212/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$1,475,630 · Scale 2, in force from 26 Feb 2026)